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What kind of security issues are you thinking about? Because Android has had a freely accessible NFC chip (+ secure element) since forever, and I can't think of

What kind of security issues are you thinking about? Because Android has had a freely accessible NFC chip (+ secure element) since forever, and I can't think of one example where something bad happened. Also, Google Pay co-exists on Android next to other companies' apps. So you don't have to stop using Apple Pay if you don't want to.

Hamuko 4y ago
>Also, Google Pay co-exists on Android next to other companies' apps. So you don't have to stop using Apple Pay if you don't want to. My bank didn't have any mobile payments on iOS for the longest time because they wanted to do payments via their own app, so it was only available on Android devices. Eventually, they caved in and added Apple Pay, since there was no other way forwards on iOS. Looks like they've also added Google Pay now. While I technically like the idea of opening the NFC to third parties, I'm also worried that this will incentivise banks to not use a service with a good UX like Apple Pay.
- apexalpha 4y ago
  This could be the case. But then Apple would simply have to offer better terms to lure in customers (banks). Just like any other company offering a paid service. Having a good UX is part of that. Nowadays they can basically charge whatever they want since they've eliminated all competition through software restrictions in iOS.
  - tpush 4y ago
    The better terms to lure banks all involve worse terms for the actual end user, which is the entire problem here. I'd much rather have Apple force all companies into a user/privacy-friendly policy than a race to the bottom where each company exfiltrates as much transaction data as possible by using their own apps for NFC payments.
    - withinboredom 4y ago
      As opposed to just Apple having that information doing God Knows What? They say they “care about privacy” but I have good reason to think they actually don’t (based on convos with some data scientists that worked there).
    - Hamuko 4y ago
      I guess one solution would be to force Apple to open up the NFC chip, and force banks into providing companies like Apple and Google a way to do payments on their devices, and then have them duke it out on who can get the most consumers.

Hamuko 4y ago

>Also, Google Pay co-exists on Android next to other companies' apps. So you don't have to stop using Apple Pay if you don't want to. My bank didn't have any mobile payments on iOS for the longest time because they wanted to do payments via their own app, so it was only available on Android devices. Eventually, they caved in and added Apple Pay, since there was no other way forwards on iOS. Looks like they've also added Google Pay now. While I technically like the idea of opening the NFC to third parties, I'm also worried that this will incentivise banks to not use a service with a good UX like Apple Pay.

apexalpha 4y ago
This could be the case. But then Apple would simply have to offer better terms to lure in customers (banks). Just like any other company offering a paid service. Having a good UX is part of that. Nowadays they can basically charge whatever they want since they've eliminated all competition through software restrictions in iOS.
- tpush 4y ago
  The better terms to lure banks all involve worse terms for the actual end user, which is the entire problem here. I'd much rather have Apple force all companies into a user/privacy-friendly policy than a race to the bottom where each company exfiltrates as much transaction data as possible by using their own apps for NFC payments.
  - withinboredom 4y ago
    As opposed to just Apple having that information doing God Knows What? They say they “care about privacy” but I have good reason to think they actually don’t (based on convos with some data scientists that worked there).
  - Hamuko 4y ago
    I guess one solution would be to force Apple to open up the NFC chip, and force banks into providing companies like Apple and Google a way to do payments on their devices, and then have them duke it out on who can get the most consumers.