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Apple Offers to Open NFC Payment Technology to Third-Party Developers in Europe
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Tell me you don't understand the purpose of these regulations without telling me you don't understand the purpose of these regulations
one big question: what financial incentives and functional benefits would there be for banks to to self segregate in their own apps?
If Apple pay can continue to offer a superior service that prevents major financial fraud from happening at a lower cost than they themselves can do, then they will continue to use it.
So what basis do you base your fear?
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Germany is dumb. They should rather focus on more essential things, like accepting normal cards on more than 10% of the stores (besides big chains). I am often shopping in Germany as a Swiss and it's horrible how many stores you're either not allowed to pay with credit card (as Maestro is gone now, they have their own dumb sh*t called "Girocard") or at least 20€. Yea sure, when I want to get something from the bakery I spend 20€... I hope EU forces a "right" to pay with card, as they did in Italy last year.
Nobody demands them to accept Diners or Amex, but c'mon at least Visa/Master...No, they rather stick to their bubble-solution Girocard/EC-Card. Most of the banks don't even have free Girocards anymore. They usually issue debi Master/Visa and you gotta pay addiotnal fee (1-2€ per month usually) to get a Girocard.
@polyphenol I assume when company talks about EU they include EEA as well as the tiny states who are not officially part of the EU like Andorra, Monaco etc and UK/CH. At least here in Switzerland most devices from official retailers (even Apple itself) are either from Germany/France (ZD/A, ZM/A) or Italy (TY/A).
But back to topic: Why are so many people hating the EU for their regulations? I don't like the EU for political reasons either, but what they have achieved at regulatory level in recent years is just awesome. Like anybody is forcing you to
- sideload apps
- use 3rd-party-NFC stuff
- use USB-C to charge your phone
c'mon guys.
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Cool, you win, I don’t understand the purpose.
I’m not even fighting this you know, so let me say that I hope you get everything you wish for, all the regulations and all the big government you picture, for you, family, friends and everybody there times a 100.
And nice use of the overly abused “tell me” phrase for the 1000th time like everybody else, so hip and trendy.
Not to be pedantic, but it's not "less" choice. It's the exact same amount of choice as now. You may not like having to choose your bank's app, and that's fair enough, but if your bank drops Apple Pay for their own solution you still have exactly one solution to choose from.
I'll return the feeling by wishing you a happy Apple-sponsored life. 😁
Touché.
If a bank drops Apple Pay in favor of its own solution it’s less choice. Not only less choice but potentially more tracking.
Where do you shop? The only place I can’t use card is at some „Spätis“ and Döner places in Berlin and this is most likely for other „reasons“.
it’s not less choice you can make 1 choice either way it’s just a different one you don’t like.
it’s ok to complain but at least be accurate.
please remember you currently have 1 choice even if it’s the choice u prefer
Right. And if my choice goes away, it’s less choice. It’s government forcing less choice. One thing govt does well at times.
So not allowing alternative NFC payments is also less choice?
In your scenario, government isn't taking away your choice, private companies do. Banks in one scenario and Apple in the other.
Regulating a closed ecosystem to be open is taking away my choice that I bought into of a closed ecosystem. Where my apps are in one place and the wallet functionality is as it is, etc. that choice is gone.
You have a choice, Samsung, oppo, etc. those manufacturers offer everything you seemingly find desirable.
What stops them from doing that now? The bank can track everything already
Just like they have worked alongside Google Pay for years on Android.
The value is mostly for people whose bank still doesn’t support apple pay. Thanks to apple, those people have been stuck with using just the physical card until now.
They could let it be like on Android, where the user can set what the default nfc payment will be.
It’s good for consumers whose bank/country doesn’t support apple pay. They’ll be able to pay at stores with their iphone without having to wait another decade for apple and their bank to reach an agreement.
Yeah, that would work for those who want to only use the non-Apple Pay solution, but my question was about those who want both the Wallet and a third party NFC app. I was thinking that Apple’s proposed solution, where the apps have to be opened to use NFC, will be deemed too inconvenient by those hoping enforce a fair playing field, or whatever they’re hoping for.
Not necessarily. Apple could allow the user to set what is opened by default with the double-click. That’s how it has worked for years on Android, where the nfc was always open to 3rd party payment apps besides google pay.
Also, retail stores don’t choose whether or not to participate in apple pay. If they accept contactless payments, which is actually an operational requirement for retail stores accepting credit and debit cards everywhere but the US and Mexico, then they accept apple pay too.
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We’re just going to go round in circles on this one for various reasons.
Well didn’t this happen once already in the U.S.? Some bank or company made a QR wallet and some banks chose to leave Apple Pay, and after a while they chose to comeback because it sucked more than Apple Pay?We’re just going to go round in circles on this one for various reasons.
So what I’m asking essentially is what is the current difference with the NFC API being open up? Doesn’t this essentially go back to your standard code of conduct: walk with you money?
Apple’s statement is only offering to let them use NFC separately from the Wallet App, so I guess I didn’t see Apple allowing users to change the default double-click, even if the consumer truly never wants to use the Wallet App.
Walmart doesn’t accept Apple Pay. And I don’t shop there. Home Depot doesn’t accept apple pay and I shop there as little as possible. I dk t want to use a QR code or wallet app to pay. I want my card provider to allow Apple Pay as a payment method.
The benefit is mostly for people who simply can’t use apple pay because their bank still doesn’t support it. There are still lots of non-participating banks in the EEA. Furthermore, this is the lead for other countries to follow: if Apple eventually opened the nfc worldwide, people in the 100+ countries where apple pay still isn’t officially supported could still at least pay at stores with their iphone using their bank’s app instead of being stuck with just a chip card for another 10 years. I’m surprised at how many people just don’t see this.