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> Use existing hardware and software features without competitive prejudice. E.g. NFC What this will mean for me as an iPhone user: instead of using Apple Pay

by Aaargh20318 4y ago

> Use existing hardware and software features without competitive prejudice. E.g. NFC What this will mean for me as an iPhone user: instead of using Apple Pay which is seamlessly integrated in my phone, watch and desktop OS, I will instead have to use my bank's terrible HTML-based 'app' to perform contactless payments, making it 100 times less convenient. This probably will make me switch back to using my bank card. But hey, my bank makes a little more profit at the expense of UX. Thanks EU!

thunkshift1 4y ago
No one is forcing you too do that. But they are forcing apple to give anyone using apple devices the option to use the banks shitty ui app. Maybe the ui app will stop being shitty as the usage goes up? That is the point
- Aaargh20318 4y ago
  > No one is forcing you too do that. The bank will by discontinuing Apple Pay support. They have every incentive to do so.
  - drampelt 4y ago
    Then why isn't that happening on Android with Google Pay? Banks are able to handle NFC payments through their own apps if they want, but the vast majority support Google Pay and don't force users into their own app.
    - Aaargh20318 4y ago
      I suspect that is largely due to the success of Apple Pay. Banks used to have their own apps on Android for years and only grudgingly started to support Apple Pay since they couldn't use their own apps. They only started migrating from their own apps to Google Wallet/Pay after Apple Pay became a success and Android users started to feel left out. They would never have supported Apple Pay if they hadn't been forced to do so. In fact, even though there was no alternative they kept dragging their feet and complaining about it for years.
  - thunkshift1 4y ago
    Why would you use apple pay if you are planning to use a banking app? Isnt the point of having a banking app so you dont have to completely depend on apple pay?
drampelt 4y ago
I have an Android phone and have every single one of my credit and debit cards from 7 different banks in Google Pay. Don't need to use the bank app for any of them. EDIT: to be clear, currently on Android any app can handle NFC payments, not just Google Pay. Banks could easily force people to user their apps, but that's not happening.
- kccqzy 4y ago
  A possible consequence of the current legislation is that instead of a system-wide service where Apple Pay or Google Pay can work with different banks, each bank now demands to handle NFC payments within its own app. You may find that Google Pay is no longer supported by banks.
  - drampelt 4y ago
    Sorry if it wasn't clear, that was actually my point - on Android even though banks have the ability to handle NFC payments within their own apps, the vast majority still support Google Pay and don't force you to use their app.
    - Aaargh20318 4y ago
      Most banks I know of only started supporting Google Pay after they deployed Apple Pay. Basically, Apple Pay showed consumers how good the UX can be which more or less forced the banks to Google Pay support so they can also have a good UX on Android. Without Apple forcing the use of Apple Pay I doubt it would ever have taken off. NFC payments were possible through the banking apps on Android for years before Apple Pay launched in my country. Note that contactless payment had also been around here for years and pretty much all payment terminals supported it. Technically, everything was in place for it to be adopted, yet no one used it. Only after introduction of Apple Pay did it take off. Google Pay support followed the success of Apple Pay.
- smileybarry 4y ago
  Counterpoint: here in Israel we had (only) the bank apps on Android for 2+ years, and they were a combination of "okay" and "awful". My bank's app required to unlock your phone (with biometric auth), an app-specific pin code, and had a 30-second window. It then didn't work 30% of the time and required turning NFC off and on again to work. It took them over a year to change to "just unlock your phone". Then Apple Pay launched here, contactless adoption on iOS became triple of Android's (despite Android having more than double the phones), and a few months later Google Pay launched in response with their better implementation. I'm guessing it was a combined "in response to Apple" from Google and "maybe this will increase adoption" from banks.
bluepizza 4y ago
You can also use another bank.
foepys 4y ago
If that's such an important issue for you, why don't you just switch to a bank with an app with good UX? There are so many banks out there, one will surely either support Apple Pay or have a decent app. Apple Pay will not just die, Android has no restrictions on NFC and Google Pay is still supported by banks. What you do is fear mongering that's not based on reality. Android shows that it works and Apple just wants their cut, as always.
- veilrap 4y ago
  So use Android? I don't get the reason to force all companies to be the same when customers clearly have preferences. I've bought mostly Apple products because I prefer their system to Androids. People who disagree can buy something else. Competition is better than these father knows best overarching regulations.
  - skyyler 4y ago
    Isn't the point of this to create more competition?
    - veilrap 4y ago
      Android already is a huge iOS competitor, in fact, the majority player in the space. So competition clearly exists without this heavy handed regulation. Legally requiring companies to degrade customer experiences is frustrating.
      - deleted 4y ago
        [deleted]
      - skyyler 4y ago
        Companies needing to be compelled by law to treat users as adults is also frustrating. Frustrations everywhere, I guess we should just not do anything about it and go back to the stone age? Someone else in this thread was suggesting that.
unity1001 4y ago
So your bank can have more funding, instead of Apple shaving it off up to 50%, and it is able to develop a neat React-based UI instead of the simple HTML ui you so strongly disdain...
- d12bb 4y ago
  sure they will.. PS: It's 0.10-0.15%, don't know where your 1/2 come from
- Aaargh20318 4y ago
  How about they just make a native app ?
dx034 4y ago
Of course you can use Apple Pay, but if you don't like it you could also use Google Pay or Samsung Pay instead. But Apple Pay could also be used on Androids if Apple chooses to offer it.

thunkshift1 4y ago

No one is forcing you too do that. But they are forcing apple to give anyone using apple devices the option to use the banks shitty ui app. Maybe the ui app will stop being shitty as the usage goes up? That is the point

Aaargh20318 4y ago
> No one is forcing you too do that. The bank will by discontinuing Apple Pay support. They have every incentive to do so.
- drampelt 4y ago
  Then why isn't that happening on Android with Google Pay? Banks are able to handle NFC payments through their own apps if they want, but the vast majority support Google Pay and don't force users into their own app.
  - Aaargh20318 4y ago
    I suspect that is largely due to the success of Apple Pay. Banks used to have their own apps on Android for years and only grudgingly started to support Apple Pay since they couldn't use their own apps. They only started migrating from their own apps to Google Wallet/Pay after Apple Pay became a success and Android users started to feel left out. They would never have supported Apple Pay if they hadn't been forced to do so. In fact, even though there was no alternative they kept dragging their feet and complaining about it for years.
- thunkshift1 4y ago
  Why would you use apple pay if you are planning to use a banking app? Isnt the point of having a banking app so you dont have to completely depend on apple pay?

drampelt 4y ago

I have an Android phone and have every single one of my credit and debit cards from 7 different banks in Google Pay. Don't need to use the bank app for any of them. EDIT: to be clear, currently on Android any app can handle NFC payments, not just Google Pay. Banks could easily force people to user their apps, but that's not happening.

kccqzy 4y ago
A possible consequence of the current legislation is that instead of a system-wide service where Apple Pay or Google Pay can work with different banks, each bank now demands to handle NFC payments within its own app. You may find that Google Pay is no longer supported by banks.
- drampelt 4y ago
  Sorry if it wasn't clear, that was actually my point - on Android even though banks have the ability to handle NFC payments within their own apps, the vast majority still support Google Pay and don't force you to use their app.
  - Aaargh20318 4y ago
    Most banks I know of only started supporting Google Pay after they deployed Apple Pay. Basically, Apple Pay showed consumers how good the UX can be which more or less forced the banks to Google Pay support so they can also have a good UX on Android. Without Apple forcing the use of Apple Pay I doubt it would ever have taken off. NFC payments were possible through the banking apps on Android for years before Apple Pay launched in my country. Note that contactless payment had also been around here for years and pretty much all payment terminals supported it. Technically, everything was in place for it to be adopted, yet no one used it. Only after introduction of Apple Pay did it take off. Google Pay support followed the success of Apple Pay.
smileybarry 4y ago
Counterpoint: here in Israel we had (only) the bank apps on Android for 2+ years, and they were a combination of "okay" and "awful". My bank's app required to unlock your phone (with biometric auth), an app-specific pin code, and had a 30-second window. It then didn't work 30% of the time and required turning NFC off and on again to work. It took them over a year to change to "just unlock your phone". Then Apple Pay launched here, contactless adoption on iOS became triple of Android's (despite Android having more than double the phones), and a few months later Google Pay launched in response with their better implementation. I'm guessing it was a combined "in response to Apple" from Google and "maybe this will increase adoption" from banks.

bluepizza 4y ago

You can also use another bank.

foepys 4y ago

If that's such an important issue for you, why don't you just switch to a bank with an app with good UX? There are so many banks out there, one will surely either support Apple Pay or have a decent app. Apple Pay will not just die, Android has no restrictions on NFC and Google Pay is still supported by banks. What you do is fear mongering that's not based on reality. Android shows that it works and Apple just wants their cut, as always.

veilrap 4y ago
So use Android? I don't get the reason to force all companies to be the same when customers clearly have preferences. I've bought mostly Apple products because I prefer their system to Androids. People who disagree can buy something else. Competition is better than these father knows best overarching regulations.
- skyyler 4y ago
  Isn't the point of this to create more competition?
  - veilrap 4y ago
    Android already is a huge iOS competitor, in fact, the majority player in the space. So competition clearly exists without this heavy handed regulation. Legally requiring companies to degrade customer experiences is frustrating.
    - deleted 4y ago
      [deleted]
    - skyyler 4y ago
      Companies needing to be compelled by law to treat users as adults is also frustrating. Frustrations everywhere, I guess we should just not do anything about it and go back to the stone age? Someone else in this thread was suggesting that.

unity1001 4y ago

So your bank can have more funding, instead of Apple shaving it off up to 50%, and it is able to develop a neat React-based UI instead of the simple HTML ui you so strongly disdain...

d12bb 4y ago
sure they will.. PS: It's 0.10-0.15%, don't know where your 1/2 come from
Aaargh20318 4y ago
How about they just make a native app ?

dx034 4y ago

Of course you can use Apple Pay, but if you don't like it you could also use Google Pay or Samsung Pay instead. But Apple Pay could also be used on Androids if Apple chooses to offer it.