Banks are not in the business to drive away customers. So if your bank does this then switch to one who meets your requirements.
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Apple Opening Up iPhone's NFC Chip to Third-Party Developers in iOS 18.1
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Huh? Your analogy is strained at best.
This is about allowing consumers the choice to use the hardware they bought and paid for, the way they choose to use it.
Having the option to use your badge or phone is good, but in your example it’s a marginal advantage.
Apple Pay is not anonymous in any way. Device account numbers can be saved, tracked, and used for marketing purposes.
The business does not have your name and address unlike a credit card.
This. My local transit authority here in the U.K. has a pre-paid card that is used by younger people, people with disabilities, etc. Even our local football team has a prepaid card that gives fans free travel before and after a match.
You could use that card on Androids, but not for iPhones because Apple never responded to our transit authorities requests.
Ehm, and how do they provide the service without your name and address? Even when you use it to buy digital goods, you have to provide at least your name and an e-mail address.
Apple Pay is not anonymous and never has been, even if they don't have your info. They still collect and collate transactions and link buying habits between visits and know it's you when tapping to pay.
I opted for an emailed receipt from a local vendor after using Apple Pay. Now whenever I use Apple Pay there they auto-populate my email address and know it's me. I never enter any info in beforehand. Same goes for all the local restaurants using Square terminals. They know it's me as soon as I tap, even if I haven't been there before.
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As long as this doesn't lead to retailers like my grocery store (Kroger) only accepting their own form of contactless payments using their own app, I'll be fine using my Apple Card with Apple Pay --- if the banks for my other cards pull out of Apple Pay and require their own apps (which I won't do unless there's a huge cash back incentive for me).
being able to use the phone for public transport payment, subscription etc. could be great.
I couldn’t agree more. If you think Apple did this because it’s good for developers and users I’ve got a bridge in New York to sell you. There’s a reason NFC has been there for years and only now is Apple opening it up. The features are there now thanks to the EU and Apple is playing CYA with the cat out of the bag that these things can be done securely and have instead been arbitrarily withheld from developers and users now that they and other tech companies are under the antitrust microscope here in the USA to an extent they weren’t previously.
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Will the USDOJ/EU require banks to not be exclusive to their own wallets, should they create one? Genuinely curious about the possible secondary effects this could have on consumer choice. If Citi and Chase stop working in Apple Pay, I guess I would just use the Apple Card for Apple Pay then, but that would be a loss for me as my default is another card and Apple Pay is so slick compared to swiping/tapping a physical card. I’m not likely going to install another wallet either.
There was (at least) one very good reason—to create a single Wallet app and prevent each and every bank from requiring you to use its own app for payments. Hopefully Wallet is ingrained enough by now that this won't happen, but knowing how banks operate I won't hold my breath.
I think this would be fine as long as Apple requires the app using NFC to put a card in Wallet and to not require launching the app to use it.
As long as the experience is seamless I don't mind third parties using apps for NFC.
Really hope this means my city metro (Tyne & Wear Metro) will finally have iPhone season tickets like they do for Android.
I work in hospital pharmacy and with/around schedule drugs, and the pharmacy is considered a "high security area".
Fun fact, I have legal cocaine sitting just a few feet from me!
I have alluded to this in a post on here.
I have emailed Nexus myself to make them aware of this, and I have a made them aware on Twitter as well.
Feel free to email them as well to ensure many people are letting them know.
Until the financial institution makes that decision for you. How long before all this banks pushing me to join their Paze network pull out of Apple Pay / Wallet and force me to use only their new Paze wallet? Or worse each forces me to only use their app.
I’m sure I am in for many “no one will pull out of Apple Pay” or something. I’m not so sure. Imagine if this was around during the CurrentC mess.
Also, I don’t see how this opens the door for the panacea of new options for passes, IDs, or anything else listed in the article. That are all possible now but the owners of said passes, IDs, and whatnot are not opening up to Wallet. Some of these may introduce the feature in their own apps, I guess. But that directly leads to the fragmentation,
This is a win for banks and businesses. This does nothing for consumers.