And when said payment doesn't work, most users will call Apple. Which is the problem. They didn't provide the non working software. So they get flooded with un-needed calls and people making negative comments about "my phone doesn't work" on social media. Yeah, I can see it now because people aren't as bright as some on here.
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EU Reportedly Satisfied With Apple's Plans to Open iPhone's NFC Chip to Rivals
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My Amex wouldn't load into wallet after many tries a couple months back and it gave some nonsense error. I called Apple, and their response? Contact American Express.
Yup, that would be an Amex issue
Exactly, so it doesn't matter who they call, so I don't know what your point was.
This is the EU, where there are actual consumer data protection laws.
Windoze Phone was fugly and unusable.
I will never understand the nostalgia for that mess. It died because it was awful.
It was super early days
I wish they had stuck with it just to see where it ended up eventually
I'll bet MS does also, as they are totally "out" on the Mobile OS and Hardware game at this point
Also, we could use ALL the competition we can get in this space (where we basically have none)
For one - it is far more secure than Mag stripe, which was what most people were using at that point. Apple Pay came out just as the US was moving to chip cards and contactless.
Recall that just a few months before Apple announced it, Target etc had huge breaches and there was intense pressure to secure the payment system in the US.
And so far ahead of the curve in so many ways, too. Rocking that flat, minimalistic UI well before iOS 7 brought it to the mainstream. And let's not forget the global light and dark modes! Or that excellent software keyboard. I've never been satisfied with typing on Android or iOS because I used Windows Phone before them.
This pretty much applies to everything Apple is changing about their ecosystem in the EU (and soon to be the rest of the world eventually). Apps taking away Apple ecosystem support in favor of their own instead of leaving both options open. Wouldn’t make customer experience any better.
That sounds bad for the consumer indeed. Are European or Norwegian regulators stepping in to remedy the problem?
People buy Apple for a reason. Opening up NFC to other card providers makes little difference to the majority of Apple users. They will continue to use Apple Pay, if they use anything at all, because it makes sense. The EU and the corporate lobbyists who have been persuading the EU to take Apple down a peg or two don't seem to realise that Apple customers generally will stay Apple customers and not perform "open" or Android-type activities that we could always get an Android to do. We are not interested. Some want to be able to use terminal on their iPhone and whatnot, but that is an obscure minority that is inconsequential to Apple's bottomline or the Apple community.
Yeah... because in Android with Google pay and whatnot banks pulled out of Google wallet... oh wait... checking notes... most of the time they dropped support in their app just to cut cost of maintaining it xD
Apple simply doesn't want any "wallet" app competition on the platform and that's the only reason... gready greadster 🤣
Darling, Noone with stop you xD
Walmart has a less than 9%* share of the US retail market yet still holds out on supporting ApplePay in favor or their in-app QR code scanning Walmart Pay.
I hope banks don't jump ship on Apple Wallet, but if they feel the pull of higher profits by quitting ApplePay in favor of their own apps I absolutely see them doing that.
*Source: CapitalOne Statistics, March 2024
This sounds like a hassle. Why can't they integrate their card into Apple Wallet so you can easily tap with your phone. Even with the opening up of the NFC chip it'll mean having to open the BCN public transportation app.
Step 1: Unlock your phone
Step 2: Find the BCN Transport app
Step 3: Tap to open app
Step 4: Wait for it to load (potentially tap a button to enable payment/activate NFC payment with FaceID)
Step 5: Wave your phone by the reader at the turnstile
vs
Step 1: Wave your phone by the reader at the turnstile. Done.
I've personally used Apple Wallet on my iPhone to pay for public transit on two different systems and it's worked quite well. Faster even than paper tickets.
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The average Walmart shopper isn't really the same target market, and retail stores operate on thin margins - Apple pay only charges about 0.15% to card issuers, there is no direct cost to merchants like Walmart.
Walmart is doing Walmart pay not to avoid Apple pay but to avoid credit card transaction fees.
That doesn't change the whole meaning of what was told. Banks will force users to use their own apps, bye bye convenience.
This is great for everyone but the consumer. POS is ruthless saving half a percent and putting out a half baked solution over using Apple Pay will still be the choice most companies and banks will make.
It has taken years to get Apple pay out there. Going to have fragmentation like crazy yet again.
I for one likely a minority but would literally base my banking/shopping on Apply pay support just because I already know the system and protections. If enough people do it will make a difference.
Same as AppStores. So tired of hearing people doing leave Google Play. Google and Apple are very different companies. Google Play may not get you everything your own store would but the bar is much higher leaving Apple Appstore. I think once third party stores are allowed in enough countries you are going to see an exodus from the AppStore. It’s not really for end users but if Microsoft bails or any other big player companies are going to just follow along. No big Corp is going to go oh you have to sideload office apps we are leaving M365.
The argument if it’s free you’re the product is a funny concept at this point too because even if you are dishing out tons of money companies still want your data and are double dipping.
It has taken years to get Apple pay out there. Going to have fragmentation like crazy yet again.
I for one likely a minority but would literally base my banking/shopping on Apply pay support just because I already know the system and protections. If enough people do it will make a difference.
Same as AppStores. So tired of hearing people doing leave Google Play. Google and Apple are very different companies. Google Play may not get you everything your own store would but the bar is much higher leaving Apple Appstore. I think once third party stores are allowed in enough countries you are going to see an exodus from the AppStore. It’s not really for end users but if Microsoft bails or any other big player companies are going to just follow along. No big Corp is going to go oh you have to sideload office apps we are leaving M365.
The argument if it’s free you’re the product is a funny concept at this point too because even if you are dishing out tons of money companies still want your data and are double dipping.
Android OS doesn't integrate well with my desktop computer.
It also doesn't align well with my stance on user privacy.
I don't like iOS for its restrictions - I prefer it despite them.
iOS isn't defined by what it cannot do (its restrictions imposed by Apple).
It's defined (for me) by its features, "feel", look and interoperability.
You're free to support payment providers that support Apple Pay.
I don't know about Norway, but EU customers benefit from EU regulation that facilitates switching current accounts.
Just ask yourself why.
Seems that Apple isn't providing a competitive service then, is it?
(And no, it's not about customer data either. Europe isn't the U.S. with its data brokerage and data mining industry and lack of data protection laws).
You may have disliked the look.
But it certainly was usable (if slightly lagging in its development compared to iOS and Android).
It would be a breath of fresh air today.
When my banking app doesn't work, I'm not calling Apple.
Neither do other people I know (among them quite a lot of not-so-tech-savvy people).
Same for bank cards.
And it's not a thing with Android payment apps either.
Excellent! 👏
If it's so few people and so inconsequential, that surely means Apple can finally comply with the regulation in good faith. And the whiners (first and foremost Apple themselves) can stop whining.
If my bank stops supporting Apple Pay and tries to move me to an alternative app based system I’ll be moving to a new bank - I’ve not moved bank since 1984 when I opened first account when I started my apprenticeship
There was better, the pebble device. The OS had some great features and innovation but it just didn’t have enough cash behind it to grow the legs it needed to survive. Gonna have to seek some examples to prove point now… sadly there’s probs not enough competition in the hardware/software synergy market; I could go on but it’s bedtime 🥱
Then they should just create their own phone, since they know better than Apple.More interestingly, when the EU is done with the iPhone, it will have a higher marketshare than Android and they will see an increase in their digital marketplace as iPhone users, on the whole, purchase good/services at a greater rate than Android.