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Dear Bundestag, i demand to be able to use my debit card from HypoVereinsBank to withdraw money from my citibank account.
also, how anticompetitive is that i can withdraw money from an ATM of a different bank only if i pay 5-10EUR extra fee?
no one wants to regulate that?

I can remember when that was an issue is the United States - that you couldn’t use another bank’s ATM for free. It used to annoy me because I chose my bank based on it’s ATM network, despite its crappy crappy interest rates. So I had no sympathy for people with accounts at smaller banks with two branches (but higher interest rates) started complaining about ATM fees that my bank would levy for using their ATMs.
 
I have no idea if this is a good idea or not in particular but it’s asinine that we can’t get all of these tap to pay providers working on all tap to pay devices.

The future is not “everybody having their own locked down solution”
It’s like saying every credit card with a chip should be able to support all competitors cards too. I buy Apple devices for their security and ease of use. I would never store my info on an Android device. It’s too available. Access to the NFC means access to the security stack which is secure by hardware. Once that is opened they can no longer protect it.
 
if they don't support Apple Pay, they don't support any phone payment as far as I see... all Apple Pay is is a way to use your credit card of choice without having the physical card on you. its not like there's some other factor for choice

There is nothing special about Apple Pay. There are plenty of payment management services. Apple just bans all their competitors to protect their own commission.
 
Dear Bundestag, i demand to be able to use my debit card from HypoVereinsBank to withdraw money from my citibank account.
also, how anticompetitive is that i can withdraw money from an ATM of a different bank only if i pay 5-10EUR extra fee?
no one wants to regulate that?
Note that the law as described by Finanz-Szene would explicitly allow Apple to charge a fee ("angemessenes Entgelt") for access.
 
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I'd like NFC to be more open on the iPhone, for example I wish I could open the turnstiles on the metro with my iPhone but I can't load my season ticket on an app and use NFC. I can pay for a single ride, but most commuters have season tickets and they don't work. Even the possibility to access my office via the iPhone would be great instead of having to carry a badge, but is not possible at the moment.
As for the payment, I'd stick with Apple pay but I like having a choice
 
This is just going to lead to a mess of having to install 57 different apps to be able to pay at all the stores using NFC.

Why the fork can't these companies just get on board with Apple Pay? It's based on an open standard (Contactless payments) and is plenty secure. It's frustrating to need to install a bunch of different apps to pay for things.
Who exactly forces you to install anything? Those who want to use alternative payment systems (for whatever reason) will do it. That's it.
 
I have no idea if this is a good idea or not in particular but it’s asinine that we can’t get all of these tap to pay providers working on all tap to pay devices.

The future is not “everybody having their own locked down solution”

The future is heading exactly towards that I’m afraid. I sincerely hope it’s not.
 
So next Apple should block bluetooth connections for anything other than AirPods and Apple Watches to prevent "rivals somehow being able to profit"?

Yes. If they felt that would generate the best customer experience, they should be able to do that. Customers have a choice to buy or not to buy their product. If they do not agree with Apple's decision, they have choices. Given that Apple's market share in Germany is about 25%, it seems that it is pretty easy for people to choose other options.

It's a NFC chip the customer paid for, not "their [Apple's] platform"

It is a component integrated with the Secure Enclave, that Apple built. The customer did not pay for the NFC chip, they paid for the product that Apple sold them. Apple is clear about this upfront and if people do not like their decisions, they have options.

Up next: Dropbox banned from using internet provided by Apple's WiFi/cellular chips because of security concerns and you can pay for iCloud anyway

Again, if Apple disclosed that before people purchased the devices, unless they have a monopoly position (in the actual market of smart phones, not iPhones), that is between them and the market.

Again, I am not advocating that they do these things, just arguing that your position is flawed. Apple sells a complete package that most Apple users like. Forcing them to open every component costs resources and introduces potential security issues that does nothing to benefit most of their users and actually harms them.
 
Apple isn't as good at security as google. Android phones can handle google pay and Samsung pay at the same time.
lol, you must be joking. You are praising a low bar. Apple Pay's tokenization method is miles ahead of Google pay. They store on their server where you made purchases, Apple keeps no record. That alone makes them superior.
 
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Seems good to me. The user should be able to choose which payment provider he wants to use and gets started by default.

I'll likely stay with Apple Pay though.
Uh, they can already do that.

Apple Pay is supported by literally thousands of banks worldwide. Pick any one you wish. Why isn't the government going after those banks that refuse to "open up" their debit/credit cards to third party devices (like Apple Pay or Samsung pay)?
 
And you don’t have a choice in not using iOS? Apple has less than 20% market share in Germany and if this is a true reason people aren’t using Apple products, that share will fall dramatically.
You do have choice in not buying into Apple’s minority share system.
Yes. This. If Apple’s implementation creates a bad user experience, the market will punish them. And if users want to use other payment methods, there are ample options out there. Don’t need government micro management of software implementation.
 
Can you use Applepay on andriod devices and if not, why? (Other than that Apple hasnt tried to implement it)
Apple Pay uses a tokenization method to validate the purchases and runs everything through its secure enclave chip on-device — not their servers — so if a device doesn't have the secure enclave, it can't process an Apple Pay payment.
 
What are you talking about?

So next Apple should block bluetooth connections for anything other than AirPods and Apple Watches to prevent "rivals somehow being able to profit"?

It's a NFC chip the customer paid for, not "their [Apple's] platform"

Up next: Dropbox banned from using internet provided by Apple's WiFi/cellular chips because of security concerns and you can pay for iCloud anyway

This isn't about blocking bluetooth. We're talking about maintaining a platform for secure financial transactions, not pairing a watch, or listening to music. There are admin costs involved with that. There's liability, too. If any third party deploys payment software to an Apple phone, and that software gets compromised, Apple will still somehow be on the hook. Apple doesn't want any of that; neither does Google or anyone else.
 
This is what happens when people who have no idea how a technology works are empowered to pass laws that affect that technology. Did anyone say that American Express had to open its credit card system to competitors when it was the only real global credit card system in the world? No, for the simple reason that people understood that competition meant that there would be other companies that would offer competing products if it was a profitable enterprise and competition would decide which cards would be competitive.

It seems that these German legislators have forgotten how competition works and are trying to legislate favorable outcomes for businesses that didn't have the foresight to enter into this arena. Payment systems are complex and intensely competitive and if they actually knew how many competitive payment systems are out there, besides cash, they might have had second thoughts about trying to legislate in what is a robust and amazingly competitive market. The fact that in this mode of epay Apple seems to have an advantage is absolutely meaningless when you look at the overall payments systems. They would be better off keeping Walmart out of the financial services market and attacking its monopoly practices than going after Apple because it has a good technological solution to the risk inherent in electronic payments.

Well, we're here and no way that there German legislators will pay us a bit of attention, but I hope that no one else thinks that this is a good idea, it is a waste of legislative resources, and their time would be better spent looking at illegal manipulation of LIBOR rates by Deutsches Bank and other European banks and its impact on consumer and corporate borrowing rates since that has had a significant impact on borrowing costs and illegal profits by those banks. But, hey, I get it, Apple is successful and nothing is better than going after a successful company, particularly one that doesn't pay massive bribes to those same legislators through campaign funding. Nothing changes.
 
Uh, they can already do that.

Apple Pay is supported by literally thousands of banks worldwide. Pick any one you wish. Why isn't the government going after those banks that refuse to "open up" their debit/credit cards to third party devices (like Apple Pay or Samsung pay)?

Probably because Apple is a US company, so it makes sense for a foreign country like Germany to pass legislation that favours its own companies rather than one which would strengthen the leverage a foreign company has own its own local ones.
 
You know, NFC has other uses than just payment.
But the article (and the comment you were replying to) is about opening it up to other payment options, not the NFC chip in general (which, by the way, has already happened).

That’s been changing over time, and with iOS 13, an iPhone going back to the iPhone 7 will have its NFC potential unlocked. App developers can read and write to NFC tags, read chipped passports and ID cards, unlock NFC-enabled doors, and more.

Source
 
Germany is dumb.

Edit: Actually, Germany may be smart. This may be a play for them to force Apple to open a backdoor (unknowingly, through an NFC exploit?) because they're butthurt that Apple refuses to break encryption.
 
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