When the US decides that the don't need friends anymore, because the just want to be a regional power.
Got a tip for us?
Let us know
Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.
EU Regulators Accept Apple Commitments to Open NFC Access to Rivals
- Thread starter MacRumors
- Start date
- Sort by reaction score
I’d guess that most people don’t use a ton of credit cards. They have one or two that they mainly use. I see so many people at the cafeteria at work pulling out debit cards , ****** credit cards with crappy rewards, their local bank credit card, etc.
It’s not hard to see banks dropping support for Apple Pay to save money and providing instructions in their app, which you already have, to set your wallet as their app. Most people wouldn’t care, certainly not enough to go through the hassle of changing banks over.
So it absolutely could impact those who rotate through a decent collection of cards that offer differing cashback offers.
Thanks for the breakdown. All these steps are totally possible on iOS today, and have been for years. Do you know how the app(s) present the ID after validation? Because if it's just an NFC card, barcode, and/or QR code, it could easily pass that to Apple Wallet.
That’s not the same as 1% of transactions.Small correction… ~51% of American use contactless payment.
More than half of Americans now use contactless payments, according to Mastercard poll
The ongoing coronavirus pandemic has bolstered the number of Americans using contactless payments to 51%, according to a new Mastercard poll.www.cnbc.com
It’s still too much power. How can we be against totalitarian governments but for totalitarian corporations?
Software is the new hardware. Having one gatekeeper for it all isn’t a good thing.
That’s only by choice too. Every current model of credit card reader accepts contactless payments, and have for years. 99.9% of businesses have one of those models. Nearly every single credit card has it. The only exception I can really think of Walmart, which doesn’t because they want to force you to use their payment system.Small correction… ~51% of American use contactless payment.
More than half of Americans now use contactless payments, according to Mastercard poll
The ongoing coronavirus pandemic has bolstered the number of Americans using contactless payments to 51%, according to a new Mastercard poll.
Honestly I don’t understand why those 49% of people don’t, as it’s clearly significantly faster to pay by swiping than inserting your chip…
Of course it could have a negative impact on some people but I’m pretty sure the sky is not falling.
Well the eID is used to login and validate your identity with online services. In the same way as login with appleID. As well as physically in stores and institutions.
So I would click login on my bank app or website or anything that requires Id such as government services or ordering medicine online from the farmaci that are assigned to you or to read medical journals etc etc.
And this login needs to be validated with both a pincode and biometric verification if it’s extra sensitive information or functionality such as adding a new payment receiver in your bank.
No, I don't agree.
I'm not saying there is no place for regulation in markets. I have no (I actually have some issue if only the consumer is at risk) issue with governing bodies forbidding the use of known poisons in products or having safety requirements for product classes. I have no issue with CAFE standards or environmental requirements in the manufacturing process or as related to operating products (in reality I think there is need for more oversight in this area). I simply see a difference between regulation that pertains to environmental impact (which affects everyone regardless of what a individual buys) or safety issues and product features. What I don't think needs to be regulated are features that impact the user experience of the consumers who bought the product. Obviously there are market implications that result from a companies product offering (based largely on competitor responses), but outside of safety and environmental impact, those are not decisions that governments need to make on behalf of the consumer.
I actually support more oversight areas, like truth in advertising and disclosure. I have no problem with a company running a business by selling the information of their informed consumers (I try to avoid those companies, but I understand the appeal of something appearing to be free). What I have a problem with is a company intentionally creating uninformed consumers by obfuscating the service they provide or presenting it as one thing when they know it is not. The GDPR did a little to address this type of stuff, but it was so obviously written by people who don't understand how technology works (and refused to learn) that in some situations it made things far more confusing for consumers without the benefit of improving transparency.
I was surprised to read the US was one of only two countries where there is no limit for contactless payment transactions. The limit varies in Europe but appears to range between $40 and $120 USD. If we had those limits I couldn’t use it to buy gasoline, groceries, or worse yet: my booze.
Let’s make a legal pad list:
Fingerprint scanner? Pantech 100, 2004
Large megapixel sensors? Nokia Pureview, 2012
Big screens? Galaxy Note, 2011
IP68? Motorola Defy, 2010
Wireless charging? Nexus 4, 2010
Magnetic Charging? Palm Pre, 2010
Dual cameras w/portrait blur? HTC One, 2014
Ultrawide camera? LG G5, 2016
All-screen phone? Xiaomi Mi Mix, 2016 (That one was gorgeous)
Apple refine other people’s innovations and in many cases popularise them. There is nothing wrong with this and they often make them better. But it took them until 2023 to add USB 3.0 to their top-end phones.
Even the capacitive screen and candybar portrait form factor was first introduced by the LG Prada in 2006. There is no way LG’s designers knew about the iPhone before launch so it stands to reason that phones were headed in the direction the OG iPhone pushed them anyway.
FaceID is probably the one thing Apple did create by themselves but it remains telling that nobody has bothered to copy it at all.
What is wrong with some people that they are against being able to use their phone to its full potential? I guess these folks also like having to pay extra for the same warranty coverage the Europeans get out of the box.
There isn’t one gatekeeper, there are hundreds with each contributing their own brand of innovation.
If we’re going down this road most of the innovations that enabled the modern cell phone were invented outside of the cell phone manufacturers decades earlier. I did this list once already in MR because of the way an erroneous account of innovation is presented. I’ll give one example: who invented oled. Hint: it wasn’t Samsung. It was Eastman Kodak in the 80s. Who invented the blue led that enabled modern lcd screens used in many cell phones. Hint: it wasn’t a cell phone manufacturer. Who invented the fingerprint reader now ubiqutous? Hint it wasn’t a cell phone manufacturer.
The tech industry is like a house of cards with prior inventions and patents fueling future innovation. You are conflating design elements and different functions with innovations.
Last edited:
But this is not competition. It's the complete opposite of competition. it is forcing a company into homogeny. This stifles competition. Competition is where the free market is allowed to decide, not where it is imposed by a government. Apple is nowhere close to being a monopoly, especially in the EU. This is dangerous and anti-free-market and anti-business. Foolish all the way around.
Last edited:
Ever check out the prices of Apple products on the foreign Apple Stores? They pay for the warranty. They just don’t have the option not to.
What is it then? Do you have a source for the 1% and 90%? Or were you just using hyperbole?
Yes as it’s more complicated than that
And the identification can’t be done offline as it requires server validation. Essentially your phone and government/ bank/IRS servers must agree with who you are.
And only one ID is allowed. So you can’t have two different ones simultaneously in order to mitigate ID fraud.
And it’s more the fact this information is also used to login to everything instead of using a password or separate electronic banking device
Here in the first video it’s the ID you can use in stores. It has a effect that changes how you interact with the ID showing it’s not a photo nor a video. As well as a QR code that changes every few seconds.
The bellow video is if I want to login to my bank through safari instead of the app itself only by writing my social security number and clicking BankID to automatically open it up to verify the session.
Last edited:
For me, it's not about the "full potential" of my device. I simply want to buy products from a company that has a record of delivering products that I love using and have improved my life (IMHO).
In the past, those products have been largely developed/designed/engineered based on consumer interest that is closely aligned with my own. Consumers picked winning products by buying them in massive quantities and designated losers by showing no interest.
In contrast to what seems to be happening now, which is legislators and regulators are taking products that consumers appear to want and "fixing" them on behalf of those users. I never asked for the "walled garden" to be broken open, it was actually a feature for which I willingly paid more. The problem with design through regulation and legislation is that it provides as much influence on products lines to people who don't use the products as it does to the actual consumers. I have no interest in influencing the design and features available in the newest Samsung phone because I currently have no interest in changing from my iPhone. But what I don't want is for an a politician to make design and feature decisions for any company (outside a narrow exception related to safety and environmental impact).
Also worth noting. You don't get anything out of the box that you didn't pay for. There is no such thing as free.
According to VISA last year, 34% of face-to-face transactions were contactless in the US. Compared to 74% globally.
Last edited:
No,
you can use the contactless, but you can be required to use the PIN. My bank forces me to use the PIN even when I use the contactless if the cumulative amount of all the contactless transactions goes over a threshold.
It is exactly the opposite. The EU is pushing to open NFC payments to everybody, not only to a$$le...
That's your opinion; for me, when a company becomes too big and its power is able to block or reduce the potential of a market, it is correct we fix it.
Bear in mind that the stock market, that is the lighthouse of any capitalistic approach, is STRICTLY regulated.