Thanks for that (factual) explanation. What do you think in this case the impact to consumer pricing is? If I use my HSBC card though Apple Pay, or I get a metro card through Apple Pay, where is the impact on my pricing?
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EU Plans to Hit Apple With Antitrust Charges Over Apple Pay
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Well, in this particular case, I don't see how users are locked in the Apple ecosystem by Pay. If they want to switch to Android, they will just have to register their cards in the Android wallet. Not a big hurdle I think…
You could always move to the US and get exploited by companies all you want? Why pay $70 in Europe for an epipen, when you can pay $700 in the US!
Does this mean the EU will go after visa unless they allow Samsung pay and Apple Pay on their tap to pay cards? Fair is fair
You can read, write and monitor anything you want. Not just what Apple permits.
For example, many NFC tags (Mifare, etc) are proprietary, if you don't have full access to the chip at machine-level, you can't "hack" those tags because Apple would never give you an API to do that.
You also can't read out what's in your credit card NFC, but if you have full access to the chip, you will be able to see the sectors in their encrypted format. You can then research ways to break those encryptions or to clone those to a blank tag, etc.
Think about the current system as you clicking a list of provided phrases to enter into a comment box, vs having the full keyboard.
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I suspect much of this is due to consumers giving Apple giving more control over their daily activity. The issue, IMO, is not that Apple is coercing anyone to use their stuff but that consumers are freely choosing to use Apple. Thus their ecosystem has grown organically and not through nefarious means.
But Apple, a US company, through that growth has limited the opportunities for local businesses. In both S. Korea and greater Europe, Apple has had an impact on local businesses (Samsung, Nokia?) Thus, it is no surprise to see some attempts at protectionism.
But Apple, a US company, through that growth has limited the opportunities for local businesses. In both S. Korea and greater Europe, Apple has had an impact on local businesses (Samsung, Nokia?) Thus, it is no surprise to see some attempts at protectionism.
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In my country, we have dozens of different eWallets for payments/transactions, and they all work on iPhones as well as Android. They all contactless. How? They use QR codes.
Sometimes innovation can happen. NFC is not a requirement.
Sometimes innovation can happen. NFC is not a requirement.
So, based on that it almost pays to be a not so popular brand. The brands that ar going the best will get beat up the most.....stifling the advancement of technology.
I can’t speak to your last point regarding minority marketshare companies being docked by EU for non competitive issues, but as our company designee for completing EU questionnaires regarding competitors’ and customer mergers, my recollection is that a company with more than 30% draws significant scrutiny when it proposed to grow by competitor acquisition.
can also say that we always opposed our competitors growing larger by removing a competitor (bad for the market and bad for us) but that the proposed merger always took place.
Nothing is stopping Apple from putting Apple Pay on Samsung? However Samsung can't the other way around.
Apple is rumored to take about 0.15% cut from every transaction. (Likely changes for every country) The bank will want to get this money back somehow. So they will increase the transaction costs for stores. And the stores will increase product prices. In the end it will always be the customer who pays.
Yeah, this was a long time coming and inevietable. Apple opens api's up for so many things, so it was a bit obvious when they did not open this up too that they were trying to force their way into the highly competitive market of payment transactions
well, we/USA forced all manufacturers of automobiles to use our stupid incandescent headlights....and halogen in the same configuration was illegal also.
Maybe you can explain your rules for when a company develops a product then it becomes a commodity that the company has no control over. Should Microsoft be required to allow windows 11 to run on macs, should Xbox be required to have Apple Pay as a payment method, should visa be required to allow Mastercard payments on their cards? Keep free enterprise free and allowed to compete. No one is harmed by Apple Pay being the sole provider FOR the NFC chip, you can still use whatever credit card you choose. Not seeing it.
I look forward to your enlightening response
This is 100% my concern. If banks are allowed to use NFC in their apps for payments they with almost certainly pull support for Wallet and ApplePay. This will lead to fragmentation and a terrible user experience. Having to use other apps for things like Walmart Pay or Kroger Pay is dumb enough - now imagine the same thing with every bank.
The only way opening this up would probably be ok is if Apple was allowed to require banks to support Wallet and ApplePay in order to also get native NFC payment access in their own apps. Considering that this is coming from the angle of anti-trust though I doubt Apple would be allowed to enforce this requirement.
Well lets see how this openness worked for Google and their wallet? Last time i check there isnt even a good and reliable NFC wallet that works, so those stupid commissioers what to turn in something that just works perfectly into a f… chaos that exists on Android- no thank you
Edit: part of what I claimed here was based on Apple preventing the use of NFC in Wallet passbook, but there’s a way: when a company applies for a special permission and signs an NDA, they do get an access to Apple Wallet NFC API’s. Sorry for incorrect statement.
Can you charge a 30 -day metrocard to your iPhone? You can for Android, but not for iPhone.
For instance, a French operator SNCF uses NFC on Android phones for traveling in trains. Other option is to show a QR-code. But if that is so great, why doesn’t Apple use it instead of NFC?
NFC ticket is not available for an iPhone because Apple is protecting their Apple Pay revenues.
Other example: https://www.scotrail.co.uk/about-sc...L8TE5PaReLk-1633535149-0-gqNtZGzNAmWjcnBszQel
”You can now load ScotRail Smart tickets onto ScotRail and SPT Subway Smartcards using an NFC-enabled Android phone and the latest version of the ScotRail app.”
APPLE IS STIFLING COMPETITION! Hence, they are
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Wonder if we'll see an upcoming iPhone 14 EU Edition with a USBC power port and dropped ApplePay support.
Rest of the world will get the usual models.
Rest of the world will get the usual models.
Because the US is lousy on anti trust enforcement by essentially approving every big merger that comes along?
Could also be because the MR editors were different and there is no clear criteria for exercising the political assignment.