DNB bastards who created the VIPPS crap have still no support for Apple Pay (and can't tell us a date they will add support. In June, they told us this year).
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World's First Apple Pay Alternative for iPhone Launches in Norway
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The irony is that Norways largest bank (DNB), and some other affiliated banks to DNB, have refused their bank customers to use Apple Pay with their accounts. Vipps is a DNB app/ecosystem.
So I switched to another bank a few years ago... Go Bulder! (and Apple Pay) 😀
So I switched to another bank a few years ago... Go Bulder! (and Apple Pay) 😀
Why someone should prefer a local service over a worldwide accepted one like Apple Pay ? Ridiculous EU witch hunting
What's so great about Vipps and how is this any different or better than adding your Bank card to Apple pay for the end consumer?
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Competition is good. But Apple take such a minuscule cut in Apple Pay transaction processing, the consumer isn’t affected in the slightest at the checkout.
What would be absolutely awful is having to install a separate payment application at your bank’s request because they could shave 0.0001% off their expenses.
Who need competition in this market ? No benefit for end users, just for banks
This ! On this basis every single European bank could stop supporting Apple Pay in order to force customers to use their solution.
No benefits at all for customers! But ignorance is bliss and people here are greeting “freedom” and competition
Because IT IS. Safe, good and worldwide accepted
Competition in this field is good only for banks, not for customers. Last thing I want is to use different payment methods moving all over the world
What makes you so sure it will still be an option to use Apple Pay if it's in the bank's interest that you use their preferred solution?
I think the point is that this isn't really "fair" competition at all.
Apple Pay is more than simply linking your credit card to your iPhone and using it to pay for purchases. As with many Apple products, it's the whole ecosystem, from touch / Face ID, Apple Silicon (for Secure Enclave), Apple's NFC antenna design, as well as the underlying software that makes everything work. It's also about leveraging Apple's user base (who tend to have more income and a higher propensity to spend) and exerting influence to get banks on board.
I just wish more people would recognise and acknowledge the effort that Apple has put into making Apple Pay work globally (remember when banks and merchants were famously very reluctant to work with Google). It's not just about more choice. It's that Apple paved the way to consolidate the market and make it all so safe and seamless for the end user, I feel that 0.15% cut is nothing compared to what they invested in the platform, and competitors just come in afterwards and ride on the path that Apple cleared for everybody, and Apple gets nothing in return.
At the end of the day, iOS is Apple's property, and this is undeniably a violation of Apple's property rights, even if the ends arguably justify the means.
Part-time Norway and part-time EU resident here. This development is good for Norwegian banks and good for customers who never leave Norway. But Vipps is in no way an Apple Pay competitor. Apple Pay is an internationally-working solution. Vipps won't even work in neighboring countries where they bought out the apps that provide payment services. (They bought MobilePay, which provided already-balkanized payment services in Finland and Denmark, but you can't pay a MobilePay user with Vipps nor vice versa. You can't even pay another MobilePay user in a different country.) And as others have stated, the Norwegian bank consortium behind Vipps has frozen out Apple Pay for years in Norway. Very unhappy.
You're the one to ask then, as someone living in Norway and with opportunity to see this firsthand, do you see any benefit to the consumer from this? Is there any practical reason to prefer this to Apple Pay? Or is this just another example of the bank wanting to cut out the intermediary to keep the percentages?
Why, though? It's not as locked down on Android, where competition theoretically has always been there but pretty much ever bank has stuck with GooglePay rather than rolled out their own app, which they would have to troubleshoot and maintain.
If anything, it is just more leverage for the banks to lower Apple's cut if they think Apple is being greedy. As a customer, I couldn't care less. It's not going to affect me either way. Let Apple and the banks haggle over the transaction fees.
Imagine if Apple would be allowed to to go the major bank and say, it’s not fair, I also want to offer a credit/debit card running on your banking system, just as others want their products on Apple core systems
People here seem to have very little trust towards competition and a free market. "B-but what if the competitors are now allowed to compete freely?? They'll just offer products and then customers can decide what they prefer! What then??"
I sure do look forward to having to install a bunch of different apps just to have tap-to-pay functionality, since now those financial institutions have far less incentive to support Apple Pay. 🤡
"Why bother supporting Apple Pay when we can just stuff NFC functionality into our own low-quality app that's a nightmare to use?" will be a hot topic at their next shareholder meeting.
Until they take away the options the customer had before. Banks will stop using Apple Pay, and replace it with their own inferior implementation. That's less user friendly and has more data collection.
You don't get more choice.
You get NO choice. And they WILL steal your data.
I'm happy to use whatever bank supports Apple Pay here in the US, but I'm hopeful that my grocery store and other essential retailers continue to accept Apple Pay (after years of waiting for them to catch up) instead of trying to use their own contactless payment systems.
Google wallet with NFC tap to pay was the gold standard long before Apple pay. And when Apple pay came around a half a decade later, they could have released it for Android devices and also opened it to Apple devices. Apple Pay is the gold standard (on Apple devices) because of Apple's own anticompetitive practices. Now Apple is considering putting 5g modems in their MacBooks. Let's hope this is done in good faith and not locked down to some walled garden ecosystem where you can only use it with some BS like a new service called Apple Connect.On the first point, 100% agree. There is a reason Apple Pay is the gold standard.
But don’t let a crummy Android TV sour your opinion of non-Apple devices. I’m not saying that you should go out and buy an Android phone but there are some great devices out there and you never know where you’ll be in the future
Yes. I wonder what woudl be reason to use other solution other then Apple Pay is not available in country. Will other solutions guarrantee exactly the same security and privacy? If not then we should avaid any banking app a better use cash then such crap.
Only reason I would use bank app this may would be when they would integrate Tap to Pay so I would not need use third party service to get money to my account. And even they is question I would use if they would not privide the sam privacy. And even they will claim securing privacy, who will be able to check it.
Living in EU.
I think the general vibe here is more questioning what "competition" looks like in this space—consumers don't pay to use Apple Pay or Vipps and don't get any incentive to do so, so why was regulation needed?
That’s kind of a half truth, the old version of Google Wallet wasn’t widely supported. In fact you couldn’t get it outside the USA, a rather backwards decision when you consider how far behind the states was in rolling out NFC terminals in the first place! European banking NFC payments carried with them the need for a ‘secure sim’ from your bank tied to your account. Hardly intuitive.
Apple Pay removed much of the friction involving NFC payments and its popularity exploded. Google rebuilt their platform and the rest is history. Is it anticompetitive? I’m not sure. Yes they charge a small fee but then so do Visa and Mastercard for maintaining the entire payment system in the first place. Where is the call to open up that ‘duopoly’? Why do 2 large international companies control so much of the financial flow system at all?
The reason Visa and Mastercard are not a duopoly is the same reason (in this case) Apple and Google are not. You have the choice of 3rd parties like AMEX or Samsung Pay and you can always pay with plastic or good old cash.
Before Apple Pay there pretty much no mobile NFC payments and options really limited and I remember Barclays have something (can’t remember exactly what). They was one of last few banks finally accept Apple Pay, they was stubborn holding out.
If I wanted choices etc then I would go Android but I didn’t. I went to Apple and I know exactly what Apple offers and I know choice will be less but lot more stable and reliable (I remember android back then it was mess and I forever keep fixing mum Samsung galaxy android mobile), I know android have improve lot since then.
Why people go for Apple and complain about less choices? You KNOW what you get with Apple! It not like you are forced to go with Apple. You have choice go Apple OR android. Both have pros and cons and pick whichever you prefer or can live with.
People/companies do do stupid things. For example I remember in UK we used get iTunes code for digital copy of film/movie when buy DVD/Bluray. Apparently it was too “restrictive” so they start moving to Ultraviolet. Guess what? They don’t even exists anymore and iTunes still does (now under different name). All digital films/movies on ultraviolet is lost forever. Was so annoying. I wanted iTunes code instead.
Banks have ZERO interest in customer’s satisfaction. Apple has a lot. So I will NEVER choose any Bank over Apple.