It's the one year anniversary of Apple pay (AAPL) this month and so far the results have been distinctly underwhelming. According to the latest numbers, the mobile payments system accounts for only one percent of all retail transactions taking place in the U.S.. Reports suggest that the payment method has been held back by the limited number of tap-to-pay terminals in stores, with many people still unsure how to use the service. Apple Pay currently only works on the 6, 6s and 6 plus iPhone models which has also restricted the user base. Google's (GOOGLE) digital payment equivalent has also seen a slow uptake and weak adoption numbers but has benefited from the ability to be used at more locations. In other tech news Microsoft (MSFT) has overhauled its mobile strategy once again and has lowered its expectations for mass market phone sales. The tech giant is now aiming for smaller, specialized markets where its smartphone offering can have technical advantages. Microsoft is set to announce the launch of its new Lumia phones equipped with Windows 10 software this week. The company is currently increasing its efforts to improve the Windows software for Iphone and Android.