Apple Pay Could Launch in Germany as Early as Next Month

[Nishko]

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.
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.

Maybe I am Hans300/n4p84 after taking some english classes and stepping up my rumor game...

I never implied Apple would listen to any expert People like Dr. Leichsenring are the ones talking to insiders and analysing the market before offering an informed opinion.

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

I never talked about market share but about time in the market. Market share is only later derived from the time in the market where you are able to build your brand and support the standards your solution requires.

Only starting with a few banks is a 'Himmelfahrtskommando' if you have to reach critical mass. Apple failed to do this in CH. But you do not seem to grasp this or the fact that NFC adoption (as requirement for AP) HAS CHANGED a lot in the past years and spoon-feeding you that logic is futile.

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.

Girocard support is necessary for reaching critical mass in Germany and its support has been confirmed to me first hand.

 

[Karma_isA_8itch]

Maybe I am Hans300/n4p84 after taking some english classes and stepping up my rumor game...

I never implied Apple would listen to any expert People like Dr. Leichsenring are the ones talking to insiders and analysing the market before offering an informed opinion.



I never talked about market share but about time in the market. Market share is only later derived from the time in the market where you are able to build your brand and support the standards your solution requires.

Only starting with a few banks is a 'Himmelfahrtskommando' if you have to reach critical mass. Apple failed to do this in CH. But you do not seem to grasp this or the fact that NFC adoption (as requirement for AP) HAS CHANGED a lot in the past years and spoon-feeding you that logic is futile.



Girocard support is necessary for reaching critical mass in Germany and its support has been confirmed to me first hand.

No need to get rude just because I have a different opinion than you.

So you have insider knowledge as well huh? First hand information like so many other people before you supposedly did too. We all know how much worth those informations had.

But I’m checking out here now. If you guys want to keep searching for hints where none are and call out a new launch date every other day that’s fine with me. I’ll check in again next year and then we can continue and see who was right and who wasn’t.

Oh and fun fact 3 of your 5 posts refer to sunny. Interesting.

 

[PR1985]

News from sunny2k1:
Derzeit sind sämtliche Tätigkeiten „on hold“, weil MasterCard derzeit Probleme mit den Abrechnungen hat. Zum Teil (ca. 20%) der deutschen Transaktionen wurde doppelt bzw. teilweise dreifach abgerechnet wurden.

13 Std.

 

[yeahtyeaht]

News from sunny2k1:
Derzeit sind sämtliche Tätigkeiten „on hold“, weil MasterCard derzeit Probleme mit den Abrechnungen hat. Zum Teil (ca. 20%) der deutschen Transaktionen wurde doppelt bzw. teilweise dreifach abgerechnet wurden.

13 Std.

Hahah sunny is really funny. Such an idiot, troll and a liar.

There is no sign for a AP release in Germany. The rumours are all based on sunny and he is a ****ing troll so forget AP in Germany in the near future. There is nothing.

 

[PR1985]

Hahah sunny is really funny. Such an idiot, troll and a liar.

There is no sign for a AP release in Germany. The rumours are all based on sunny and he is a ****ing troll so forget AP in Germany in the near future. There is nothing.

A suggestion just for you: Leave this thread.

 

[docfred]

What does "13 Std" mean? 13 hours to proof he's right or T-13 hours until the rollout?

don't believe, there's something obvious happening on the phones until it official starts.

 

[PR1985]

What does "13 Std" mean? 13 hours to proof he's right or T-13 hours until the rollout?

don't believe, there's something obvious happening on the phones until it official starts.

13 hours ago he answered me on twitter, via DM.

 

[yeahtyeaht]

A suggestion just for you: Leave this thread.

Why? This idiot is fooling you and you trust him because you want AP so much. I want it too but I’m rational. Sunny is fooling you.

- At first he said it will be confirmed on the conference call - nothing
- it’s coming this week - now he says there is a problem at MasterCard, of course

Let’s see what he will say next time. Maybe his dog is dead or the aliens attacking the Apple HQ?

 

[PR1985]

Why? This idiot is fooling you and you trust him because you want AP so much. I want it too but I’m rational. Sunny is fooling you.

- At first he said it will be confirmed on the conference call - nothing
- it’s coming this week - now he says there is a problem at MasterCard, of course

Let’s see what he will say next time. Maybe his dog is dead or the aliens attacking the Apple HQ?

I`ll wait a week now till I ask him again. I`ll post, what I get.

 

[Mr-Fly]

Some were bringing up the interest in Apple Pay. Interesting enough its the topmost read blog article on the bank-blog.
This is not representative but I think it shows, that people have interest in it:
https://www.der-bank-blog.de/top-themen2017-apple/trends/31100/
Also the apfel.cash Site shows, that people are also interested to take "the other way". i did by myself, as I did not want to wait anymore to have this fantastic form of payment (I like the watch payment).
I think these form of backdoors will also bring the banks to think about how they act.
Additionally it gets more and more easy to get cards etc. in other EU countries, so this is definitely something the banks will see and react on it (this is my opinion, not an insider information!)

 

[KarstenS]

weil MasterCard derzeit Probleme mit den Abrechnungen hat.

1. If there would be an issue like this, the press would talk about it.
2. I have a MasterCard where I can see the transactions in realtime. Currently I cant confirm any issues.
3. What should this have to do with an ApplePay rollout? Absolutely nothing.

 

[Nishko]

Oh and fun fact 3 of your 5 posts refer to sunny. Interesting.

Indeed very concerning, almost as if I was discussing the topic...

Hahah sunny is really funny. Such an idiot, troll and a liar.

There is no sign for a AP release in Germany. The rumours are all based on sunny and he is a ****ing troll so forget AP in Germany in the near future. There is nothing.

You sure hate a lot on something you believe is never coming. Why be so bitter and care so much? Makes you look like a whining baby.
Also, if you read some of my other postings and did credible research, you would realize there is information available that has its origins outside these forums.

1. If there would be an issue like this, the press would talk about it.
2. I have a MasterCard where I can see the transactions in realtime. Currently I cant confirm any issues.
3. What should this have to do with an ApplePay rollout? Absolutely nothing.

PR1985 cited 20% percent of transactions. Guess what the remaining 80% experience? Right, nothing. Also as far as I am aware such a minor 'hiccup' does not warrant main stream media coverage.

Mastercard MDES validates transactions, maps tokens to PAN and forwards to issuer for authorization. So if Sunny's news is correct, it is very well connected to AP.

 

[KarstenS]

PR1985 cited 20% percent of transactions. Guess what the remaining 80% experience? Right, nothing. Also as far as I am aware such a minor 'hiccup' does not warrant main stream media coverage.

20% in a financial service would be a major incident, a desaster with a high importance and publicity. When there would be such a high amount of failure, it would be close to sure the service would get stopped completely till it got fixed.

Sorry, but your argumentation is utterly trash.

 

[zdfbe4ah]

he probably talks about 20% of the 'beta/test' transactions using the german apple pay engine …

 

[servusfromspace]

20% in a financial service would be a major incident, a desaster with a high importance and publicity. When there would be such a high amount of failure, it would be close to sure the service would get stopped completely till it got fixed.

Sorry, but your argumentation is utterly trash.

If its just 20% of the already tokenised test users, noone would know. It too am very disappointed, but I can wait. After all, my Revolut contactless card is nearly as good as AP (although paying with my watch would sure be very nice).

 

[Nishko]

20% in a financial service would be a major incident, a desaster with a high importance and publicity. When there would be such a high amount of failure, it would be close to sure the service would get stopped completely till it got fixed.

Do you have knowledge of the finance IT industry?
I don't, but common sense tells me that a payment service would rather not halt their national operations because of issues in a fraction of their products.

Imagine being in charge at Mastercard. Do you:

1. halt millions of transactions, effectively withdrawing service from all your clients across the platform causing major frustration with your brand
2. get your employees to resolve issues in quiet with that fraction of clients affected, reversing duplicate transactions as they occur

Easy decision for me and I'm sure many consultants would advise the same.

 

[Phily]

Although I'm highly in doubt about Sunnys credibility and think he's just a troll my Miles & More Mastercard issuer DKB informed me on January 26th that there had been double transactions on January 24th due to a "system error". I do NOT say that this event is related to AP but apparently there were some kind of issues. My Mastercard was not affected by the way.

 

[KarstenS]

he probably talks about 20% of the 'beta/test' transactions using the german apple pay engine …

If there would be a "new engine" for germany, it would be not MasterCard/Maestro, not Visa/V-Pay, not AMEX and so on, as these systems are always the same everywhere it is already in use. Thats the deeper sense of an standardized system and its success.

When there would be a new engine, it would be for Girocard, where MasterCard has absolutely no connection to.

Do you have knowledge of the finance IT industry?

Not finance. But I'm working in the central incident management of a big IT infrastructure with alot of users, alot of maschines, alot of servers and alot of centralized applications with high security and availability.

I know how to handle different types of incidents and when an incident like this happens in a very important system, the first step would be: disable the possibility to make changes at all as the risk in such a case it to high to get unrecoverable data loss.

Second: Mastercard itself is a brand. It provides knowledge and solutions of an widely accepted payment system.

The technical part has to get setup in every single bank itself. In case of ApplePay with Apple own servers inbetween.

Third: There is not that "Mastercard".

There is Mastercard in Bank 1. There is Mastercard in Bank 2. And so on. When Mastercard in Bank 1 stops working, customkers of Bank 2 can still use it. It is similar to a peer to peer network.

An incident that sunny has described (all Germany) can't happen as the structure of the system is not build in a way such a scenario is possible or plausible.

Conclusion: This "information" is the same crap as the others that got written page for page in the last days here.

 

[PR1985]

Guys, can we agree on that: I will inform @MLVC , if he is interested, and I´ll stop posting here?

Let´s face it, we all know sh*t, like n4p84. Sunny made it very clear. You guys will not "hear" from him again.

 

[MLVC]

Guys, can we agree on that: I will inform @MLVC , if he is interested, and I´ll stop posting here?

Let´s face it, we all know sh*t, like n4p84. Sunny made it very clear. You guys will not "hear" from him again.

Sure I like to be updated. Nobody knows anything really although everybody here acts like they do. Well some act that way anyway . Just chill all.

 

[Nishko]

Ironically enough yeahtyeaht, Karma_isA_8itch and others seem to be the real trolls here.
Your constant pessimism and turning up just to refute someones information with your own subjective German Missgunst offers no value at all and sheds a poor light on yourselves.

I kindly suggest you leave the thread until you have something constructive to say other than just bitching around. We get it, you don't believe in anything, please see yourself out, enjoy your life and let others discuss. This is speculation, but not at all costs.

 

[zdfbe4ah]

If there would be a "new engine" for germany, it would be not MasterCard/Maestro, not Visa/V-Pay, not AMEX and so on, as these systems are always the same everywhere it is already in use. Thats the deeper sense of an standardized system and its success.

When there would be a new engine, it would be for Girocard, where MasterCard has absolutely no connection to.



Not finance. But I'm working in the central incident management of a big IT infrastructure with alot of users, alot of maschines, alot of servers and alot of centralized applications with high security and availability.

I know how to handle different types of incidents and when an incident like this happens in a very important system, the first step would be: disable the possibility to make changes at all as the risk in such a case it to high to get unrecoverable data loss.

Second: Mastercard itself is a brand. It provides knowledge and solutions of an widely accepted payment system.

The technical part has to get setup in every single bank itself. In case of ApplePay with Apple own servers inbetween.

Third: There is not that "Mastercard".

There is Mastercard in Bank 1. There is Mastercard in Bank 2. And so on. When Mastercard in Bank 1 stops working, customkers of Bank 2 can still use it. It is similar to a peer to peer network.

An incident that sunny has described (all Germany) can't happen as the structure of the system is not build in a way such a scenario is possible or plausible.

Conclusion: This "information" is the same crap as the others that got written page for page in the last days here.

The information is plausible if he was talking about the Apple Pay > MasterCard implementation at a bank. If you call this 'new engine' or 'Mastercard in Bank 1 with Apple Pay in between' doesn't matter.

 

[PR1985]

Ironically enough yeahtyeaht, Karma_isA_8itch and others seem to be the real trolls here.
Your constant pessimism and turning up just to refute someones information with your own subjective German Missgunst offers no value at all and sheds a poor light on yourselves.

I kindly suggest you leave the thread until you have something constructive to say other than just bitching around. We get it, you don't believe in anything, please see yourself out, enjoy your life and let others discuss. This is speculation, but not at all costs.

It is not strange, that sunny seems to be ****ed up... To those who are bitching around: Get out of here!

 

[kkrdvc]

About girocard, Maestro and V Pay support:
Does anyone think they’re going to try to support both standards on one card?
They already do this in Japan where MasterCard cards in Apple Pay support both MasterCard contactless and QUICpay, just like the physical cards do as well.

Because I think it would be pretty lame if they would only support Girocard contactless because then you would still need a Visa/MC if you want to use Apple Pay outside of Germany.

 

[tabilo]

Second: Mastercard itself is a brand. It provides knowledge and solutions of an widely accepted payment system.

The technical part has to get setup in every single bank itself. In case of ApplePay with Apple own servers inbetween.

Third: There is not that "Mastercard".

There is Mastercard in Bank 1. There is Mastercard in Bank 2. And so on. When Mastercard in Bank 1 stops working, customkers of Bank 2 can still use it. It is similar to a peer to peer network.

As someone who was responsible for setting up the MasterCard integration for a German bank, I have to say that you are wrong. MasterCard itself is a crucial component in the authorization and settlement of every card transaction, if they have an error, every card would be affected. The second level is the processor (e.g. SIA), only the third level is the banking system (you could integrate directly with MasterCard, but this is not the usual setup for most banks). Apple Pay need the tokenization on MasterCard, processor and Bank level to be supported, all are more or less finished in many banks.