Sorry, you chart does not show what you are claiming. That graph is a distribution of Spotify’s users by country, not a representation of Spotify’s market share by country (I could not find one, so I have no idea what it is).
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Apple Offers to Open NFC Payment Technology to Third-Party Developers in Europe
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It has not happened because most Android users in the U.S. do not use any global wallet, so no one cares to do it. As I have pointed out before, 5% of mobile payment transactions are Samsung Pay, and 3% are Google Pay, despite Android have about a 40% market share.
It does not level the playing field, unless the banks are forced to support Apple Pay. If every card issuer were forced to support every platform, that would be leveling the playing field. This just tilts the playing field toward the banks.
For Cuban cigars, the U.S. does not prevent U.S. issued cards from processing payments for products that are legal in other countries, but not in the U.S. I have purchased Cuban cigars in Switzerland with my U.S. card many times.
Apple’s iron grip over consumers who simply use their phone is loosening by the day. Good.
All well and good except this story ends with the EU having an iron grip over Apple. And considering their designs on subverting end-to-end encryption and forcing the pre-crime surveillance of the proles, we should be very careful what we wish for.
So make the bank the dominant player? Using that argument, consumers already have a platform that lets them do this and if they do not like the restriction, they can purchase an Android phone.
Again, unless the banks were forced to support Apple Pay, it would not give me more choice, but rather less. Look at Walmart which does not support Apple Pay but does its best to pressure consumers to allow direct debit from their bank accounts (something which is much worse for the consumers, and better for Walmart.
That would only be the case if the banks were forced to support Apple Pay. Other wise, the bank decides, not the user.
Your bank has to offer Apple Pay if they want to support a mobile wallet on iOS. With this change, they will not have to do so. Given that there are already issuers that do not do so, I would only expect that to increase.
Again, because to date their only option would be to not have a mobile wallet solution on iOS. This would change that.
It would mean I would have to open the alternate App and then use it to pay. Much less convenient than tapping the button on my Apple Watch or iPhone and choosing among the cards in my wallet. What is being proposed here is giving the power to the banks. It is much easier for a consumer interested in this option to switch phone brands if this matters to them, than it is for them to switch banks who decide not to support Apple Pay.
Yeah, that definitely reduces the convenience factor. Of course some of these apps may have questionable security.
That last part is the part id like to avoid. I dont want these third parties to have all my perchase information beyond the payment itself and what was purchased.
Again, history shows that banks have been willing to stay on the default wallet app (Google Pay) even when given the choice (access to NFC on Android)
The device is still as secure as the OS
And Malware can currently be installed through the iPhones NFC chip and is completely irrelevant for if it’s open, and has always had the ability to install malware from compromised NFC tags.
iPhone being infected through NFC when powerd off
And
In 2023 iOS malware attack through iMessage is actively infecting iPhones
Perhaps use something more present. As such things have been counteracted.
€5.40 trillion in 2021, of which €1.53 billion (0.028%) was fraudulent. In 2021 the total value of CNP fraud amounted to €1.28
In 2021, card fraud as a share of the total value of payments using cards issued in SEPA was at its lowest level (0.028%) since 2008 since the Eurosystem started to collect such information.
The market-wide implementation of the RTS for SCA and CSC appears to have strongly reduced the occurrence of card fraud in 2021, both in absolute and relative terms. A steep decline is registered in CNP fraud, due to the widespread adoption of the 3D Secure standard to support strong customer authentication, as required by the RTS for SCA and CSC.
Are you asking why the government should be mandating high banking security standards? Why the government should mandate high transactional security verification?
Again being a dominant player is completely legal. And why is it always the question of buying android is the answer? Why not change your bank instead?
And we can look at Walmart, if a single store did that in EU they would be breaking the law.
Hmm, yes card skimming is a possibility with any chip/pin device, heck even online if you aren't at the real website or in a man-in-the-middle attack. Easy solution, don't use those machines, it's 2024 you can do instant transfers, who needs cash?
And if you must, go to one that is inside a bank.The other thing is the intercept of the card details, or cloning. Now that is where Apple Pay is actually pretty awesome as it doesn't transfer those card details, it transfers the Apple Pay token instead.
Yes, the link is valid at the time, but even in 2015 it wasn't wholly applicable and getting out of date. Today, yes be aware of ATM skimming scams, but otherwise it's not a big deal.
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Exactly that! It would be a right faff if I had to choose between several different apps to make a payment. And let's not forget that Apple Wallet isn't just for bank cards, my reservations, loyalty cards etc are in it. Check-outs will be fun with people messaging about with several apps.
For me, it would be like the early days of Apple Pay, I decided my bank based on those who supported it as the convenience was more important than the differentiators provided between the banks.
I have to hope that UK is NOT included with that. I know UK not in EU but Apple might just treat all Europe same even they are not in EU.
I am bit worried about this because if banks allow have access to NFC which means they can withdraw from Apple Pay and use their banking app and I do not want that happen. I want keep Apple Pay. Banks do withdraw features all time if they find other way better for them (not customers).
I am bit worried about this because if banks allow have access to NFC which means they can withdraw from Apple Pay and use their banking app and I do not want that happen. I want keep Apple Pay. Banks do withdraw features all time if they find other way better for them (not customers).
I don’t know if you know how EU works but these things are brought by the member states and is necessary in order for 27 countries to work together.
And it’s a little different from how the USA does it, but it’s essentially business as usual from a European perspective. We value an effective government
Yes, but only around 10% of US retailers accept NFC payments. The rest still take giant western-style promissory notes. (Joke)
Banks have access to Android NFC and still don’t bother. It’s nothing to worry about.
i do not acknowledge chase would do that and i actually think you’re a paranoid apple fanboy for thinking the largest bank in america would pull their cards from apple pay