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It's clearly better for the vast majority of Apple's users that Apple Pay be widely accepted by both retailers and banks/credit card companies. Apple devices only having one solution absolutely helped with widespread adoption of tap to pay (at least in the US, where it was practically unheard of by "regular people" before Apple Pay was released).

Having one option absolutely increased both bank and merchant adoption. Imagine if you needed to download the Amex Wallet to use an Amex card with NFC or a Chase Wallet to use a Chase Card with NFC or a Target App to use NFC at Target, etc. Would have never gotten off the ground.

At this point, I don't particularly think it matters that Apple is being forced to open up the NFC chip (although I remain skeptical of governments dictating to companies how their products and software work outside of health / safety / security sorts of things), but I suspect it is much better for Apple's customers that the NFC chip was restricted in the first place.
Perhaps that explains it considering tap to pay or the prelevance of NFC cards was fairly pervasive in EU. Especially when the first ApplePay stickers came up but quickly disappeared because everyone had to support it anyway irrespective if it was ApplePay, Samsungpay, googlepay or your standard NFC card
 
Whether this was intended or purely a side-effect based on the priorities, I think in practice the American companies are more closely scrutinized. Agree that if you're operating in a country you've got to abide by their laws full stop or walk away. It is what it is. Apple did some shenanigans in Ireland a ways back and had to pay some taxes. The flip side of the coin is that a rich entity may take the approach of it being cheaper to pay a fine than abide by the law (for a variety of reasons). Very complicated. I will say it makes for interesting times
Well the DMA wasn’t structured to targeting U.S. companies, but problematic business practices that also coincide with the biggest technological firms for consumers. And it’s probably hard to argue that part of Parliament wanted it to be more U.S. specific( we have 720 seats) but can’t say if it’s a majority or not.
As the EU in a guise for the consumer in reality is anti-American tech. Yet you (the royal you) happily use the iPhone. Go figure..
Well you could then equally say U.S. companies are anti EU considering its tendency to violate our privacy and try to push U.S. policies where they don’t belong.
Apple is not a monopoly despite how much you and others erroneously claim they are.
Indeed they aren’t. And it’s irrelevant because this is a payment related matter.
Agree. Just in this case, the EU is saying "we get to decide how the shop works." Which, IMO, ideally wouldn't happen, especially when there is an "open" competitor on the market that actually has more than twice the marketshare and already works how EU is demanding the minority player work.

Again, I understand reasonable people disagree and (at least on MacRumors) I appear to be in the minority on this.


Microsoft had like 90% of the desktop PC market; iOS has less than 30% of the smartphone market in the EU, I'd argue the only thing similar about the cases is they both involve American tech companies.
Well in this case Walmart wouldn’t be able to buy a payment terminal from any bank or payment provider that doesn’t support NFC. They simply can’t purchase any product that would exclude ApplePay or Google pay etc.

If the terminal supports Mastercard and Visa, and your iPhone have such a card then it must by law allow its use🤷‍♂️. Only option would be to have a cash only terminal
 
Well the DMA wasn’t structured to targeting U.S. companies, but problematic business practices that also coincide with the biggest technological firms for consumers. And it’s probably hard to argue that part of Parliament wanted it to be more U.S. specific( we have 720 seats) but can’t say if it’s a majority or not.

Well you could then equally say U.S. companies are anti EU considering its tendency to violate our privacy and try to push U.S. policies where they don’t belong.

Indeed they aren’t. And it’s irrelevant because this is a payment related matter.

Well in this case Walmart wouldn’t be able to buy a payment terminal from any bank or payment provider that doesn’t support NFC. They simply can’t purchase any product that would exclude ApplePay or Google pay etc.

If the terminal supports Mastercard and Visa, and your iPhone have such a card then it must by law allow its use🤷‍♂️. Only option would be to have a cash only terminal
Imo, the DMA targeted Apple. Read aplles playbook and created anti-apple Laws.
 
Imo, the DMA targeted Apple. Read aplles playbook and created anti-apple Laws.
Well it seems the Apple playbook is doing some anticompetitive practices that has been show to be anticompetitive by other players to warrant new exante laws.

But Seems very not Apple like when the ones more targeted is meta and Google.
 
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Well it seems the Apple playbook is doing some anticompetitive practices that has been show to be anticompetitive by other players to warrant new exante laws.

But Seems very not Apple like when the ones more targeted is meta and Google.

That's circular reasoning. "It's anticompetitive because the EU says that it's anticompetitive."

Remember no studies of harm were done. They talked to Apple's competitors, called that biased study "proof" and were done with it. No proof of harm to users or the market. Just "it's wrong because we say so."

In fact, the law does SO MUCH HARM to end users. But the EU doesn't care about that.
 
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Well it seems the Apple playbook is doing some anticompetitive practices that has been show to be anticompetitive by other players to warrant new exante laws.
Well it’s under appeal my friend as I quote the great yogi Berra:”it ain’t over till it’s over”.
But Seems very not Apple like when the ones more targeted is meta and Google.
Big wide net.
 
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How does apple unlock or lock these (incl. ADP) features? Based on your Apple ID region?
 
If giving PayPal and others access the to NFC chip is them riding Apple's coat tails, then so is allowing Instagram, TikTok, or your bank (for mobile check deposit) access to the camera, or Spotify, YouTube, and Netflix access to the audio chip or display.

These should be considered core components of the iPhone and everyone should have access to them if they're not being used for nefarious reasons.
They already have access. Whatever you talk about with your friends or family, you can then watch ads about it when you scroll Facebook later.
 
That's circular reasoning. "It's anticompetitive because the EU says that it's anticompetitive."
Well…. What else do you do? It’s defined in law 🤷‍♂️

Article 101

(ex Article 81 TEC)

1. The following shall be prohibited as incompatible with the internal market: all agreements between undertakings, decisions by associations of undertakings and concerted practices which may affect trade between Member States and which have as their object or effect the prevention, restriction or distortion of competition within the internal market, and in particular those which:

(a) directly or indirectly fix purchase or selling prices or any other trading conditions;

(b) limit or control production, markets, technical development, or investment;

(c) share markets or sources of supply;

(d) apply dissimilar conditions to equivalent transactions with other trading parties, thereby placing them at a competitive disadvantage;

(e) make the conclusion of contracts subject to acceptance by the other parties of supplementary obligations which, by their nature or according to commercial usage, have no connection with the subject of such contracts.

2. Any agreements or decisions prohibited pursuant to this Article shall be automatically void.

3. The provisions of paragraph 1 may, however, be declared inapplicable in the case of:

- any agreement or category of agreements between undertakings,

- any decision or category of decisions by associations of undertakings,

- any concerted practice or category of concerted practices,

which contributes to improving the production or distribution of goods or to promoting technical or economic progress, while allowing consumers a fair share of the resulting benefit, and which does not:

(a) impose on the undertakings concerned restrictions which are not indispensable to the attainment of these objectives;

(b) afford such undertakings the possibility of eliminating competition in respect of a substantial part of the products in question.

--------------------------------------------------
Article 102

(ex Article 82 TEC)

Any abuse by one or more undertakings of a dominant position within the internal market or in a substantial part of it shall be prohibited as incompatible with the internal market in so far as it may affect trade between Member States.

Such abuse may, in particular, consist in:

(a) directly or indirectly imposing unfair purchase or selling prices or other unfair trading conditions;

(b) limiting production, markets or technical development to the prejudice of consumers;

(c) applying dissimilar conditions to equivalent transactions with other trading parties, thereby placing them at a competitive disadvantage;

(d) making the conclusion of contracts subject to acceptance by the other parties of supplementary obligations which, by their nature or according to commercial usage, have no connection with the subject of such contracts.

--------------------------------------------------
Remember no studies of harm were done. They talked to Apple's competitors, called that biased study "proof" and were done with it. No proof of harm to users or the market. Just "it's wrong because we say so."

In fact, the law does SO MUCH HARM to end users. But the EU doesn't care about that.
EU have quite he expansive impact studies as well as harm evaluation. Here for you
Two documents about 120~pages each.
 

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That's circular reasoning. "It's anticompetitive because the EU says that it's anticompetitive."
No more or less than

“Designed to target U.S. companies (Apple), because most designated gatekeepers are American (Apple is included)”.
 
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