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Apple Pay Could Launch in Germany as Early as Next Month
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Something I really don’t get is the following.
Apple wants to release Apple Pay worldwide. Or at least, Europe is an huge market and they will not wait longer than really needed.
Wouldn’t there be just one German player getting in touch with Apple and getting AP as the only bank in Germany, just to get customers? Hell ppl getting French and Irish accounts and cards, and paying for the service, just to have AP on there devices?
Why isn’t Apple making a deal with just one Bank? All other bank would make a run to get AP in their portfolios
Tbh I don’t think there wouldn’t be at least one to make that deal with Apple... and Apple wouldn’t loose a thing...
Apple wants to release Apple Pay worldwide. Or at least, Europe is an huge market and they will not wait longer than really needed.
Wouldn’t there be just one German player getting in touch with Apple and getting AP as the only bank in Germany, just to get customers? Hell ppl getting French and Irish accounts and cards, and paying for the service, just to have AP on there devices?
Why isn’t Apple making a deal with just one Bank? All other bank would make a run to get AP in their portfolios
Tbh I don’t think there wouldn’t be at least one to make that deal with Apple... and Apple wouldn’t loose a thing...
Yeap there are at least 4-5 banks which will support from the beginning e.g. N26, comdirect, Deutsche Bank, Commerzbank. The main issue is with Sparkasse.
I give a **** about the Sparkasse, they are back in the Middle Ages. I hope Ing-Diba is going to support AP.
In addition to my previous post: Remember the paying part is ready for ages, just our cardsystem isnt
But I assume that is exactly what WON'T happen. Look at some of the countries where Apple Pay has launched. Admittedly, sunny had quite a good analysis many pages ago where he described why Apple Pay in Switzerland had failed so badly. On the contrary, Apple Pay in the UK was a big success. Many large banks, more retailers at the start than in the US, TfL (Transport for London) was onboard. That's how you do it!
I think Apple tried this approach (see the German saying "steter Tropfen höhlt den Stein") first, just as they launched in all sorts of other places like Canada, Australia and Spain with American Express. Only problem is, no one uses it and the adoption rate was very low. I can imagine behind closed doors Apple seeming even more needy when looking for support of the banks. The rate of new banks joining in the meantime just hasn't been that good.
This is a sort of list that would put some pressure on the market (with the usual suspects):
-boon. by Wirecard
-N26
-Ing Diba / DKB / Postbank
-Deutsche Bank
-Either Sparkasse or Volksbank
Launching Apple Pay in Germany with just N26 and boon with MasterCard contactless wouldn't kickstart the market. It would be nice, but I understand why Apple wants to do this right. They need the German debit market which means they can't get around Girocard (just like Interac in Canada).
It could very well be that Apple simply wants the biggest possible launch they can do in Germany, for following reasons:
1) They have experienced certain failure in their recent/not-so-recent Apple Pay countries, Switzerland being a really good example for it. What happened there is that the only “banks” supporting Apple Pay are prepaid card companies (neither very well know nor used in CH), Amex (not used very much, expensive as well) and Miles&More Credit cards (again, very low usage rate). This would lead them to want to make sure their product will get used by a large part of the countries population.
2) They want as much banks as possible on board in order to make people start paying with something else than cash. You know that the best marketing ever is when people talk about your product and reccomend their friends, family etc to use it -> majority of people use local Sparkasse -> support necessary if succes wanted.
3) EU is growing together more and more -> it would be positive marketing if they added multiple European countries at once, showing people that they do belong together and that they DO care about their customers in smaller countries (NL, CZ, BE etc)
Sorry, where do you get this "information"?
Or is it just urban legend, private antipathy and "Sparkasse is just for grumpy old men"-attitude? Seems so.Hi all! I follow this thread for a while already with great interest and just received a text / SMS upon which my iPhone SE (11.2.5, German regional setting) informed me about Apple Pay Cash. The settings lead nowhere however. Will be interesting to see what else comes around. And yes I am one of the users who used to try US settings to see the AP UI. But it's really German now. k thx bye!
And yes I am one of the users who used to try US settings to see the AP UI. But it's really German now. k thx bye!Attachments
Guys am I blind or don´t they issue Visa Cards anymore?: https://www.sskduesseldorf.de/de/home/privatkunden/kreditkarte.html?n=true&stref=hnav
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It’s probably his own thoughts as well as general thinking, which is not wrong, simply because Sparkassen haven’t shown themselves as very inventive and modern, they are not adopting the latest and greatest technology as forerunners etc etcSorry, where do you get this "information"?
Then you have Deutsche Bank and Postbank which already support mobile payments with their Android apps. ING-DiBa is always saying how they want to become the number one modern bank in Germany, which means they would have to please their tech savvy users as well as show their users that they indeed are willing to support solutions that make life easier (although Apple Pay is more of a nice to have feature than anything else). DKB has also been trying to be the forerunner in the latest fin tech craze, mainly in order to keep their customers satisfied and to keep them.
What? SMS?Hi all! I follow this thread for a while already with great interest and just received a text / SMS upon which my iPhone SE (11.2.5, German regional setting) informed me about Apple Pay Cash. The settings lead nowhere however. Will be interesting to see what else comes around.
Who sent this text to you? Ur bank? Apple? An app?Hi all! I follow this thread for a while already with great interest and just received a text / SMS upon which my iPhone SE (11.2.5, German regional setting) informed me about Apple Pay Cash. The settings lead nowhere however. Will be interesting to see what else comes around.
Paypal, but that's not important. Important is that the Messages app displayed the shown ad for AP Cash when I opened it.
Ah ok, you received a sms and the messages app showed you some advertisement for Apple Pay
That doesn’t mean you got an SMS message, this pops up when you first update to 11.2.5 in the US and you enter the Messages app for the first time after the update.
I think my local Sparkasse is issuing MasterCard only for a few years now
Could you be so kind to make a screen recording where you go from the settings screen showing your region setting back to messages with the Apple Pay Cash app?
I guess the content of the SMS wasn't important. The timing is however. It's morning in Cupertino
Sorry, this is urban legend. Don't see anything, that "fancy new banks" deliver, I can't use right now at the Sparkasse. There never was any technology, that wasn't supported. NFC payment for example, I'm using contact less payments with my cards for much longer time as my coworkers at other private banks.
In the last 20 years I tried Deutsche Bank, comdirect, HVB, DKB, Postbank (they REALLY suck...), ... now back at my local Spaßkasse (as I call them) and I have everything I want and need. Good Apps, functioning Banking Site, etc. If somebody don't like this bank, that's ok. As I would never ever get back to Postbank or HVB again, but the ongoing "they're old and last century and bla" is just rubbish.
Perhaps it's the exact opposite. i.e. the Sparkassen didn't start an own NFC-payment system for mobilephones but Deutsche Bank and Postbank did for Android. So, just a thought, it's not the Sparkassen that slowdown Apple Pay negotiations but Deutsche Bank Postbank do, so they can collect more customers until Apple Pay starts?
Just wondering
Guys come on stop it you try to see signs and hints everywhere. Even if there are none.
He just received a sms. Not matters from whom. He opened messages app and got the introduction screen for Apple Pay cash. Has nothing to do with PayPal nor that sms. It’s simply because he had his region to us.
Sorry, but Apple Pay Cash won't show up in Europe for a longer period as of legal reasons.
This screenshot and explanations make this whole topic ridiculous at last...
Most Sparkasse only offer MasterCard. Been like that for a while now. Volksbank usually offers Visa (at least in the area I live here).