Will new Apple Pay feature keep your credit safe?

HOUSTON (KTRK) -- Apple fans are counting down the hours until the new iPhone 6 and 6 Plus hit stores tomorrow. The phones will be packed with new features, but are these new bells and whistles safe and secure to use?

One feature that's really creating buzz this year with the new phone release is Apple Pay.

"I think it's going to change consumer behavior and be a wave of the future," said Jon Freier with T-Mobile.

How will it work? If you shop at a retailer that accepts Apple Pay you will no longer need your credit card. When you checkout, just wave your iPhone 6 near the reader and hold your finger on the Touch ID sensor of the phone. It's that fast!

"We live in a society, we want it now. We want things quicker," said risk management specialist Bruce Brenner.

Brenner says there are pros and cons to this new form of commerce. He believes near field communication (NFC) payments with your phone should combat the security breaches we've seen in the past with businesses like Target and Home Depot. Apple claims that your actual card numbers are never shared with merchants or transmitted with the payment.

Even though the new technology seems more secure, Brenner says there's a downside.

"As this catches on, and becomes more and more prevalent, the bad guys are going to figure out more efficient ways to intercept this information, it's just going to happen," Brenner said.

Even something as secure as your fingerprint could be susceptible to hackers eventually.

"What if someone were to hijack or steal your biometric signature?" Brenner said. "Becomes a little bit harder to say that wasn't you. That wasn't my fingerprint, that wasn't my iris scan, that wasn't my DNA. So the risk goes up."

Brenner says as technology and security improves, criminals will find other ways to gather your information. He says people need to stay on top of their own finances to constantly fight identity theft.