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In order to implement Apple Pay in a country, a bank needs to beg Apple. And it looks like Apple doesn't care about smaller banks and small countries at all. Fo

In order to implement Apple Pay in a country, a bank needs to beg Apple. And it looks like Apple doesn't care about smaller banks and small countries at all. For example, in NL they allowed only a few biggest banks to implement Apple Pay.

Angostura 7y ago
> they allowed only a few biggest banks to implement Apple Pay. Again, is there a statement from any of these smaller banks saying 'we'd love to have it but Apple won't let us'?
systemtest 7y ago
The Netherlands has Apple Pay on ABN, ING, Bunq, N26 and Rabobank. That should cover around 80% of the market.
briandear 7y ago
Apple wants every bank. The discrimination comes from the payment processors — it’s likely that those payment processors who handle transactions for the local banks don’t care about the smaller banks. For example, FirstData in the US drove and facilitated adoption — it wasn’t the banks that reached out to Apple or vice versa. It’s fun to say something like “a bank needs to beg Apple,” but that is just not based in any sort of fact. Instead your comment attempts to paint a picture that big, bad Apple is mean to little banks when the truth is far more complex and has little to do with Apple and everything to do with payment processors. It’s also very likely your small bank doesn’t want to pay the 15 basis points on credit or the 3 basis points for debit. But saying Apple doesn’t care about smaller banks — that’s just a lie. Some of the smallest banks all across the US are using Apple Pay. It’s possible and probable that your bank just does want to offer Apple Pay. Here is an interesting article from 2015 about banks and Apple Pay: https://www.bankdirector.com/issues/technology/becoming-an-apple-pay-bank-should-you-do-it/ https://www.bankdirector.com/issues/technology/becoming-an-a... Please note the lack of “begging” involved in the process discussed in the article linked above.

Angostura 7y ago

> they allowed only a few biggest banks to implement Apple Pay. Again, is there a statement from any of these smaller banks saying 'we'd love to have it but Apple won't let us'?

systemtest 7y ago

The Netherlands has Apple Pay on ABN, ING, Bunq, N26 and Rabobank. That should cover around 80% of the market.

briandear 7y ago

Apple wants every bank. The discrimination comes from the payment processors — it’s likely that those payment processors who handle transactions for the local banks don’t care about the smaller banks. For example, FirstData in the US drove and facilitated adoption — it wasn’t the banks that reached out to Apple or vice versa. It’s fun to say something like “a bank needs to beg Apple,” but that is just not based in any sort of fact. Instead your comment attempts to paint a picture that big, bad Apple is mean to little banks when the truth is far more complex and has little to do with Apple and everything to do with payment processors. It’s also very likely your small bank doesn’t want to pay the 15 basis points on credit or the 3 basis points for debit. But saying Apple doesn’t care about smaller banks — that’s just a lie. Some of the smallest banks all across the US are using Apple Pay. It’s possible and probable that your bank just does want to offer Apple Pay. Here is an interesting article from 2015 about banks and Apple Pay: https://www.bankdirector.com/issues/technology/becoming-an-apple-pay-bank-should-you-do-it/ https://www.bankdirector.com/issues/technology/becoming-an-a... Please note the lack of “begging” involved in the process discussed in the article linked above.