The user bought an iPhone. Not a NFC sensor, reader or a development kit. They bought an iPhone that uses NFC for specific, system-level features. The NFC chip was not advertised as doing anything more. Apple has legitimate reasons for locking it down, even if you disagree with them (security, reliability, a single UX). That’s product design. Apple sells an integrated product and software experience. If you don’t like that experience, buy something else.Apple Pay was basically the only way a user had to take advantage of the hardware he bought man. Not even Tile was able to use it until Apple came with their own copy of that product. The hardware was locked down by Apple. Users that bought for instance Tile had to use Bluetooth instead of the more effective NFC on their iPhones man for the purpose. So yes, user has to pay Apple more to take advantage of the hardware they bought, even if indirectly.
My car has a camera, radar sensors and a CAN bus, but I’m not entitled to install random software to drive the braking system. Do you think your car manufacturer should be forced to open up its software because you can’t use the rear view camera to take a selfie? I mean “the hardware is there.” They’re making you buy another device to take pictures!
Should the EU or US be able to force BMW to accept Car Play Ultra? Some consumers want CarPlay Ultra on their BMWs. BMW accepts regular CarPlay. So let’s force it onto BMWs, even though BMW has concerns about CarPlay Ultra’s impact on their customers’ user experience and safety.
How dare Apple lock down the TouchID and FaceID sensors? I want to access my raw fingerprint data, and shouldn’t have to pay for a separate fingerprint sensor. And also, third parties should be able to replace the system lock/unlock stack! Apple’s being anticompetitive by keeping that to themselves!
The fact of the matter is the presence of hardware doesn’t grant end users or third parties unrestricted access or control especially for safety/security/privacy-critical functions.
You’re conflating “I prefer a different product design” with “consumers were harmed.”It’s well documented in history.
That as changed in the EU. You know what, for payments, here there are better digital services. Unfortunately iPhone user had to make a choice between having the very best camera phone and what could be best contactless payment system in their area. That is what ties do to the market and consumers.it conflates issues pressing the user to make exclusive choices over otherwise disparate things for the only benefit of the OEM.
Phones are bundles of trade-offs. Some vendors ship a tightly integrated wallet/NFC stack because it delivers a consistent UX, a single liability model, and a smaller attack surface; others expose NFC more openly and accept the poor user experience, fragmentation and support costs that come with it. Both approaches are valid, although I’d argue one is clearly preferable than the other. What you shouldn’t get is a right to force every OEM to ship your preferred architecture.
The wallet and the secure NFC path are part of the platform design like how cameras, biometrics, and sandboxing are integrated choices. That design didn’t “only benefit the OEM.” It also benefits users (predictable tap-to-pay that works the same everywhere), banks (one secure integration and clearer fraud/liability rules), and merchants (fewer weird edge cases at the terminal).
If you value “open above all,” there are phones built for that. If you value other attributes (camera, SoC performance, longevity, privacy posture), you might pick a different bundle. There are almost always trade-offs. That’s competition working. Regulators picking one architecture for everyone reduces product diversity and forces other users to absorb the security/UX costs of a design they didn’t choose and don’t want.
I’m not deflecting. My point was Steve Jobs absolutely wanted the iPhone locked down. He originally didn’t want third party apps at all, and once convinced otherwise, he wanted strict control over what apps were offered, and he actively banned competing technology (flash) because he thought it was worse for users. If that happened today you would be complaining about “Tim Cook’s Apple” restraining competition. But the fact of the matter is banning flash was massively better for almost every user.Why are you doing this? Why so much deflection?
PS: You can still get porn through Safari man. Yes Steve Jobs thought that Web technology was good enough and would evolve to become the facto app standard backed by HTML5 and above.
I strongly believe locking down NFC was as beneficial to users as banning flash apps. If Apple had “opened NFC” from day one, mobile payments likely would’ve been slower to take off or maybe would never have reached mainstream adoption at all:
- Banks would have shipped a patchwork of their own wallets (or declined to invest until the platform matured), each with different provisioning, risk rules, and UX.
- Developers would have had to support multiple wallets and failure modes (“which app is paying?”), raising cost and adding checkout friction that users blame on the app.
- Merchants would see higher breakage at terminals and more chargebacks while everyone argued about whose app or tokenization scheme failed.
- Customer support would fragment (“It’s not working, do I call my bank or Apple”), making fraud response and lost-device recovery inconsistent.
- Carriers and OEMs would have pushed their own solutions (as we saw on Android’s early years), further splitting the market.
- Customers would have lost the system-level benefits that make the experience feel trustworthy because no single party could guarantee them across every bank app.
And we have direct experience with the other method! Android had a years-long head start with multiple wallets competing at the NFC layer, and what did we get? A fragmented mess that was only used by nerds, didn’t accelerate adoption and didn’t go mainstream until Apple showed Google the right way to do it.