cropr
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Consumer Reports crowns Apple Pay Cash best P2P payments service
freediverx said:
By all means, tell us about your wondrous P2P payment system that offers security, privacy, and ease of use equal to or superior to Apple Pay's, yet wasn't evaluated by CR for some reason.cropr said:
You are assuming a lot of things even if I have not given any technical details. You absolutely have no clue about the privacy and security of the P2P method used, so you quite arrogantly say it must be weak, as Apple is the only company who knows something about security and can build a secure payment systemfreediverx said:You are using a solution that sacrifices privacy and security. If I have to pay or get paid by someone with an Android device, I might begrudgingly allow myself to use one of the alternate payment methods. That's not going to make me embrace the alternate payment system across the board.
I find it amusing, though, that you've chosen a "solution developed by a consortium of banks", considering that virtually every major bank has had their customer data hacked and/or has been found to play fast and loose with personal data.The system is only available in Belgium. The Belgium eco system of payments is much more advanced than the US one. We moved e.g. to chip card payments only some 20 years ago.The system in use works as follows: The receiver of payment, starts the app and initiates a transaction with his bank, saying he wants to receive an amount of X from somebody (unknown for his bank). The bank creates a security token which is displayed as part of a QR code on the screen of the receiver. The payer scans with his app the QR code and confirms the payment and sends the token to his bank, which validates the confirmation, check the payers' balance and send to token back to receivers' bank and the banks settle the payment immediately. Both persons are informed by their banks about the outcome of the transaction. Nowhere personal information is exchanged. The receiver does know the payers' bank or account details and vice versa. That is why privacy is 100% guaranteed. The security is as good as Apple Pay because the same mechanism of security tokens is used.The crucial part is the immediate settlement of the payment, so the receiver is absolutely sure he is paid. This is the main reason why a consortium of the Belgian banks is needed.
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Consumer Reports crowns Apple Pay Cash best P2P payments service
You are assuming a lot of things even if I have not given any technical details. You absolutely have no clue about the privacy and security of the P2P method used, so you quite arrogantly say it must be weak, as Apple is the only company who knows something about security and can build a secure payment systemfreediverx said:
You are using a solution that sacrifices privacy and security. If I have to pay or get paid by someone with an Android device, I might begrudgingly allow myself to use one of the alternate payment methods. That's not going to make me embrace the alternate payment system across the board.cropr said:LukeCage said:I don’t feel Apple should get punished for the broad access so much because in some instances it’s literally not their fault. Look how long it took CVS to allow Apple Pay and big name hold outs still include Target and Walmart. However on the other hand Apple doesn’t advertise Apple Pay at least that’s what it seems to me. Also I often hear that Apple doesn’t work with businesses to get Apple Pay stickers in windows and just get the word out.It is Apple's choice to offer Apple Pay only on iOS and not for e.g. Android devices.Once a month I am having with 6 colleagues a lunch in a nice restaurant. One person pays the total bill and the others pay him back via a P2P payment. Only 2 of the 7 people have an iPhone. With 7 people, there are 21 P2P combinations possible, but only 1 could potentially be done via Apple Pay. This proves that Apple Pay P2P is useless in a country with a low iPhone market share. (if one ever wonders why market share does matter, even to Apple, you have the reason here)We are using a solution developed by a consortium of banks, which is available for iOS and Android, supports all local banks and works like a charm
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Consumer Reports crowns Apple Pay Cash best P2P payments service
LukeCage said:I don’t feel Apple should get punished for the broad access so much because in some instances it’s literally not their fault. Look how long it took CVS to allow Apple Pay and big name hold outs still include Target and Walmart. However on the other hand Apple doesn’t advertise Apple Pay at least that’s what it seems to me. Also I often hear that Apple doesn’t work with businesses to get Apple Pay stickers in windows and just get the word out.It is Apple's choice to offer Apple Pay only on iOS and not for e.g. Android devices.Once a month I am having with 6 colleagues a lunch in a nice restaurant. One person pays the total bill and the others pay him back via a P2P payment. Only 2 of the 7 people have an iPhone. With 7 people, there are 21 P2P combinations possible, but only 1 could potentially be done via Apple Pay. This proves that Apple Pay P2P is useless in a country with a low iPhone market share. (if one ever wonders why market share does matter, even to Apple, you have the reason here)We are using a solution developed by a consortium of banks, which is available for iOS and Android, supports all local banks and works like a charm
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Here are all the big changes to Apple Maps from 2017 through 2019
macxpress said:
What exactly makes Google Maps so special these days?simply258 said:
Let's be honest, that will never happen in the Maps arena.AppleInsider said:In a bid to beat GoogleTo give you an idea:- I do a regularly test of asking to road to 5 main streets in Antwerp (where I live). Apple Maps + Siri has never managed to score more than 1 out of 5, Google Maps + Google Assistant score 4 out of 5 (Google fails to understand one street with a French speaking and a Dutch speaking part in its name, which is of course tricky)- Apple announces pubic transport directions per city, Google does it per country. Which basically means that Apple is years behind and will remain behind for a lot of years to come No public transport coverage in my country. Even Brussels, the capital of Europe, is not covered by Apple. Very poor. I gives me the feeling that Apple is considering non US customers as 2nd class- Google Maps runs on all my devices.- Google Maps is very well integrated with other systems: webpages with embedded maps, google search, ...
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Apple's HomePod seizes 'small but meaningful' portion of US smart speaker market
nunzy said:Apple doesn't care about market share.They make a tidy profit on every HomePod they sell. They also use HomePod as a camel's nose Under the Tent in order to solidify their hold on the customer's purchase of future products. All that Apple cares about is maximizing profit. If they could increase profits while servicing only the 1%, they would be eager to do soI agree with you that market share is not a fetish for Apple, but it is still important. Apple sells typically at a high margin (selling price - production cost), but it needs to sell enough units to recover the development costs of the HomePad. Developing and designing products does not come for free. If the market share remains low, this might be an issue. I have serious doubts that Apple is pleased with the way the HomePas is currently selling.Of course Apple has deeps pockets and has the time the mature the HomePod, but still it won't pour endless money into a product if the development costs cannot recuperated.
