Apple Pay Could Launch in Germany as Early as Next Month

[docfred]

I don't think, there would be a real backslash to any bank. Remember: only 15% market share in Germany for iOS. And I don't think, that more than 25% oft 15% every thought of Apple Pay ...

But I agree, that Sparkasse will support Apple Pay. If you ask me, right from start. It's prestige, it's coolness, it's necessary for PR that Sparkasse is not the grumpy old bank that some guys think, they are (which they aren't).

 

[Bladery]

I don't think, there would be a real backslash to any bank. Remember: only 15% market share in Germany for iOS. And I don't think, that more than 25% oft 15% every thought of Apple Pay ...

But I agree, that Sparkasse will support Apple Pay. If you ask me, right from start. It's prestige, it's coolness, it's necessary for PR that Sparkasse is not the grumpy old bank that some guys think, they are (which they aren't).

Obviously Sparkasse is grumpy and old. Not just a rumour...

 

[docfred]

If you say so...

 

[arman94]

Question is wwdc 2018, 2019, 2020?

who knows

 

[Alanin]

i don’t think they will show AP here and there when a silent rollout is happening.

If they need to do something on users phones and they are doing this with a silent rollout, I think it will be something that is still triggered when everything is done.

Maybe send out some profiles for AP and activate it simultaneously later. They could have rolled out something this week without some normal Customer noticing...

Not seeing a sign is no proof that sunny is wrong or right... just Apple knows

 

[Karma_isA_8itch]

Whoever believes we will not get AP this year (or "never" ) is just being ridiculous and making a fool of himself.
This just shows you sadly haven't really noticed or might have been to young to realize (just guessing here because of your irrational 'rants', who can get this worked up because of some flashy payment tech? ).
Apple obviously does not want a niche roll-out as in Switzerland, that's why N26 and some others alone simply don't cut it. A quick look would have shown you how 'well' that has worked out in CH.
We should see AP in Q2 the latest with a big roll-out.
This timeframe is shared by several renowned experts (e.g. Dr. Leichsenring, Der-Bank-Blog; ...) and beyond that date there simply is no sensible reason (like big name partners) that would make Apple want to loose more time in the market.

Sorry but you sound like sunny. Just making some predictions without being able to back up a word you said. There is no reason for Apple to start Apple Pay this year because like i said earlier nothing has changed in the big picture over the last two, three years. No instead banks are now going out and bringing there own payment solutions instead of using those that already exist and work. Just look at girocard (former ec card) that has been around for like 50 years by now and you still cant pay everywhere with it. Instead of just using MC or Visa that already exists banks make there own **** cause they are greedy. Paydirekt again another useless system that nobody asked for and no one wants to use just because banks are too greedy to use a system that is already around existing. That makes it even harder for apple to get those big players on the market on the board.

Better to start off with a few banks and work your way up than not launch at all. Because then the banks will win and they will never bring Apple Pay. Because why should they? If Apple will never start Apple Pay with Sparkasse then banks will not have any competition and not need to react and get on board with Apple Pay.

Those experts you mention ... Think Apple will listen to them or what? Just because they think it will happen not means anything...

You throw in Q2 but you cannot back it up. You just give people hope where none is existent. Like I said there is no reason to launch this year. There was none last year or the year before because nothing has changed. And Apple WONT loose market share because nobody can use nfc in iPhones but Apple. The number of people switching from iOS to Android because of mobile payment is probably very little. If they want mobile payment theyll just work around with a french account and boon. Truth is banks are too greedy to bring Apple Pay and Apple is too stubborn to launch Apple Pay without the big players on the market.

 

[docfred]

The work around with foreign boon is just a what we call „frickellösung“ for some guys who want to be hip(ster). Who want to be „special“ at the chashier. This is nothing for the mass market.

you said, German Banks don’t use what already exist... that‘s the point. There is no alternative mobile payment system that „already exists“ in Germany. No Google Pay, no Apple Pay, no Samsung Pay, no.... so what should they do? They use NFC on their own on Android. Google gives them the freedom to do so.
(Freedom is a concept that most iPhone users don‘t know)

And it‘s fair enough that banks don‘t cooperate with PayPal too much. PayPal is about losing their licence every now and then because they do what they want. Block accounts, don‘t pay out people‘s money because of intransparent reasons, charge ridiculous fees...
on the other hand, paydirekt came about ten years to late.

But that‘s something that also has something to do with legal reasons. German banks and their services are much more under supervision, the requirements for their IT are much higher than for some „hip U.S. fintechs“

If you ever had negotiations and an audit with BaFin you know what I mean.

 

[Karma_isA_8itch]

@docfred

Exactly that is why people will not switch to Android. If they are willing to make that boon. work around to use Apple Pay they will surely not switch to Android. Nishko said Apple will lose market share, but I dont think that will happen. They can only lose market share if peope switch over to Android which they won't.

No you are wrong. There is an alternative and like you said it is Apple Pay. Its just not being used in Germany due to the fact that the big players on the market dont want to. Apple Pay is existent. If they really would like to use that system all they need to do is to do it like sberbank and walk up to Apple and say 'guys we want apple pay and will do whatever it takes to launch it asap.' Thats what sberbank did and they got Apple Pay. Russia was probably not even on Apples list until sberbank walked up to them.

And Im pretty sure Apple did several times try to convince the banks here but it did not work out. Because N26 offers Apple Pay in France, Italy and scandinavia that shows that Apple did talk to german banks. So you can be sure that they did talk to other banks too and they must have said "no thank you" otherwise we would have Apple Pay already. But some german banks just dont want to share the little fee they get 0,2/0,3 % with Apple. Thats why they create their own platforms and thats why we not get Apple Pay and if Apple wont launch it without the big players they cannot put pressure on them to finally get on board.

 

[docfred]

What do you think, how many users of the 15% iOS users in Germany do use the boon workaround? 5%? Or less? And this would be 5% of the 15%. Not 5% of the market.

 

[Karma_isA_8itch]

So and you think those 5 percent will switch to Android because of mobile payment? I don’t think so. How many people do even bother about Apple Pay in Germany huh? Not that many cause the Germans love cash.

Apple can only loose iOS market share which is as of now not existent ergo they can’t loose any.

 

[docfred]

How many people do even bother about Apple Pay in Germany huh?

No One. That’s the point. There is no real demand for it. The iOS market share is too low. There are a few geeks like us but the mass market doesn‘t care. These are happy with their girocard and cash.

And the future market, the younger ones, use primarly Android in Germany. Go outside in the subway, the parks, shopping centers and Look what they have in their Hands.
No iPhones.

 

[Karma_isA_8itch]

You see and that’s what I think and tried to say. So nishkos statement about the market share is wrong.

And because of that low number of people or geeks how you call them Apple needs to launch Apple Pay even more in order to show people a alternative. Nobody will talk about something that’s not existent. Even if you have to start with only a few direct banks better than nothing. Once the word is out and Apple Pay is being used more and more people will ask about it and eventually start using it. But like I said Apple could have launched it back two years ago and they didn’t which leads me to believe that Apple Pay is far far away if it even is ever to be released in Germany.

 

[Mr-Fly]

You are seeing this very pessimistic. Apple needed some time to take over some rules we have here. I personally think (and I am no insider) that they developed something to support the girocards as Germany don't like Creditcards very much and like to use their home base girocards. Why it's like this, we do know all: how many banks do you know, that are wide spread that give you a Creditcard for free? Not much and I think that's where the problem rises. People don't like to pay eg. 20€ per year for a CC, when they can do the same with their free girocards. In the US, the main Card for a bank account is a CC, so totally different market. And like always, they develop for the US market first and then try to reach other countries. So I don't see, that Apple was able to do the spread 2 years ago.

 

[cmaus]

But nevertheless it’s a fact that Apple Pay is being tested for a long time already in Germany.
I’ve seen a DKB VISA on an iPhone of a VISA employee myself.

 

[docfred]

You sound quite depressive. As if you can‘t live on a daily basis without Apple Pay. Although Apple Pay is just some artifical hype.

Hang on, it wil start this year. Otherwise, Apple will lose even more market share within the younger generations.

If some 18 years old guy pays with his Galaxy and the pseudo-hipster iPhone X user can‘t, Apple does not look quite good.

Apple does not have the market power in Germany, that they are used to. And that is something they have to deal with.

 

[Karma_isA_8itch]

I don’t get why Apple needs the girocard. Pretty much every girocard supports maestro. They could just use the maestro system and work around as simple as that.
[doublepost=1518160630][/doublepost]

You sound quite depressive. As if you can‘t live on a daily basis without Apple Pay. Although Apple Pay is just some artifical hype.

Hang on, it wil start this year. Otherwise, Apple will lose even more market share within the younger generations.

If some 18 years old guy pays with his Galaxy and the pseudo-hipster iPhone X user can‘t, Apple does not look quite good.

Apple does not have the market power in Germany, that they are used to. And that is something they have to deal with.

Dude I don’t care at all about Apple Pay. It’s just an interesting topic for me. I sound depressive because I share my POV? That’s offensive man. I try to see things clearly the way they are. Yeah it would sound better if I’d say Apple will definitely launch Apple Pay in two month but that would be a lie. Just because it makes you feel better than me telling you what i really think.

 

[docfred]

I don’t get why Apple needs the girocard. Pretty much every girocard supports maestro. They could just use the maestro system and work around as simple as that.

Because not every „Kontokarte“ supports maestro. Some support vpay. But every supports the giro system.

And every POS-Terminal supports girocard, but not necessarily maestro or vpay.

 

[Karma_isA_8itch]

Because not every „Kontokarte“ supports maestro. Some support vpay. But every supports the giro system.

And every POS-Terminal supports girocard, but not necessarily maestro or vpay.

Yeah an vpay works with Apple Pay as well so that does not count as an excuse. Why should they put in so much effort to get girocard to work with Apple Pay if they could just implement it via maestro and vpay. The acceptance is probably not much worse than mc and visa. I use my maestro all the time and never had any problems with it.

They could just start like this allowing users to add their cards through their banking apps and that’s it. Apple could add girocard support later on.

 

[KarstenS]

Like I said there is no reason to launch this year.

The same you could say for nearly every other country, where ApplePay did launch.

And you are wrong. There is a reason. The big players in germany will start mobile payment this year. And the history did show more than one time, thats not good to start to far behind the others.

 

[docfred]

I use my maestro all the time and never had any problems with it.

aha. how do you do this? do you select "maestro" on the terminal for yourself?

 

[Karma_isA_8itch]

The same you could say for nearly every other country, where ApplePay did launch.

I think that Apple tried to get German banks on board. They tried and failed. Nothing has changed about that fact.

In other countries banks accept apples contracts and that’s why they launch it there.

How do I pick my markets? By potential number of customers. On that list Germany would be number 2 market after Russia in Europe. Instead they launched it pretty much everywhere else years ago. Why is that? And what has changed to make a launch now?

Of course I could be wrong. Maybe it’s not about the banks not wanting at all. This is just my opinion.

 

[flodschi22]

Hi Guys,
i‘m from Austria and wrote the E-Commerce of my Bank an Email for Apple Pay and when they need an Beta Tester i will be there and that was the answer...

 

[Karma_isA_8itch]

aha. how do you do this? do you select "maestro" on the terminal for yourself?

First theoretically you actually could do that. There is a eu guideline from last year that allows the customer to chose which payment solution they want the use. But no that’s not how o do it. I just use my N26 maestro card since it’s a maestro only. Im not Talking about the Mastercard. I don’t use that one because I have that one in Russia I’m my apartment where my wife and I spent a lot of time

And I’m really sorry for all the spelling errors but writing on a 4 inch iPhone se is not so easy.

 

[nordmaler]

I don't think, there would be a real backslash to any bank. Remember: only 15% market share in Germany for iOS. And I don't think, that more than 25% oft 15% every thought of Apple Pay ...

But I agree, that Sparkasse will support Apple Pay. If you ask me, right from start. It's prestige, it's coolness, it's necessary for PR that Sparkasse is not the grumpy old bank that some guys think, they are (which they aren't).

HaHa Sparkasse = Cool ( Good joke )

 

[docfred]

Always remember: there is no "Die Sparkasse". Your local differs from mine. And mine differs from someone others local Sparkasse. These are independent banks that choose their range of products on their own. They make their prices on their own.

My local bank offers 0€ bank accounts with seven different types of credit cards to choose from(5 MasterCard, 2 Visa). I could charge different mobile prepaid cards (Vodafone, T-Mobile, O2,...), I could buy Apple Store Gift Card codes directly in my homebanking interface to use them instantly (and other prepaid gift cards as well) if I wanted to, and so on with a lot of other services.

Compare this to your local Spaßkasse. Your local offer will be different. Perhaps they only offer two different types of MasterCard and no Visa. Perhaps they don't offer online giftcard sales or will just support one mobile network operator.


If your local Spaßkasse sucks, that's sad. Then choose another bank. Mine has the best offerings of every local bank (including the big private banks or several online banks).