ctt_zh

twleve said:

Silver_Fox said:

Hopefully that won’t effect us here in England
Thank god for Brexit.

Certainly hope it won't affect us, else I will need to change my Apple ID to a different country. Will that work?

williamlondon said:

Wow, it takes some amazing mental gymnastics to want to support a fucking bank in the world.

danox said:

ctt_zh said:

JinTech said:

ctt_zh said:

ihatescreennames said:

avon b7 said:

ihatescreennames said:

avon b7 said:

jvm156 said:

That makes no sense. It’s not like she can’t use any type of card within apple wallet. It affects the consumer not in the slightest.

avon b7 said:

dewme said:

harrykatsaros said:

"The newly competitive market for digital wallets is about to experience genuine customer-first innovation," Curve founder Shachar Bialick said. A Curve spokesperson also claimed that switching to its service will save banks "millions of euros" that currently go to Apple.

Just me or were these two statements completely contradictory to one another? What do I care how much money the banks save? 

It’s never been about customers. They were never the ones complaining unless it was about their lack of access to Apple’s services due to local restrictions. 

It’s always been about the app vendors and the companies and investors behind them who have always wanted a cut or bigger cut of the transactional fees. 

To the customers who are ultimately paying the transactional fees and service charges indirectly it doesn’t matter, unless they have some sort of personal connection to the entities now collecting the fees, like a brother in law who works at the bank in question. 

Finally, what’s innovative about one fee collector getting paid over another fee collector getting paid? Can’t innovate? Absolutely!

Ever since my wife found out the she only had Apple as an option on her phone she has complained. 

It is one of the choice restrictions that Apple imposes and never communicates to users prior to purchase. 

She wants to use our banks Wallet system as I do on my phone. 

Competing systems should bring prices down for consumers in the long run. Unless Apple tries to apply a, cough, 'core technology fee' on competing systems. 

The problem isn't with the cards but the wallet. 

It is why Apple has been forced to open up. Apple takes a cut from every single transaction and doesn't allow competing wallets to exist. That is changing in the EU. 

So, this is about protecting banks so they can earn more money and isn’t about consumer harm. 

The second Apple restricted competition, the consumer was harmed. 

That is now changing (at least in the EU). 

I don’t understand what your wife was complaining about. What harm came to her not having the option to install a wallet from your bank?  Here’s what I asked above that has yet to be answered no matter how many times I have asked: ”I have asked before and never gotten an answer, but what is the benefit to having multiple wallets? What is better about having a separate wallet for each bank? How is this good for the consumer?” (Typo fixed)

Of course I can't speak for Avon B7 but I also prefer Apple not to take a cut from every transaction. I'm British but spent most of my working life in Switzerland. I'd far prefer to support local Swiss banks than have Apple take a cut (as the banks provide hundreds of thousands of jobs etc.). 

So you don't support Apple? Why do you buy their products? Apple has to pay their engineers, upkeep their servers, etc. It's a company's job to operate and make money and they can't do this for free.

Very happy to buy physical products, and I have many subscriptions (Microsoft 365, YouTube, Fitbit, 1Password amongst others), but I don't believe the company who owns the tech on which I make a transaction has to always take a cut of that transaction. I believe the NFC chip should always have been open. And you may want to check the markup Apple adds to their products, it's significant... 

Didn't those banks have a choice but said no to Apple and tried to start their own service which failed. (remember)?

https://www.informationweek.com/it-leadership/apple-pay-rings-the-register-in-the-us-not-europe Europe/Australia and many other places the same song and dance payed out.

JinTech said:

ctt_zh said:

ihatescreennames said:

avon b7 said:

ihatescreennames said:

avon b7 said:

jvm156 said:

That makes no sense. It’s not like she can’t use any type of card within apple wallet. It affects the consumer not in the slightest.

avon b7 said:

dewme said:

harrykatsaros said:

"The newly competitive market for digital wallets is about to experience genuine customer-first innovation," Curve founder Shachar Bialick said. A Curve spokesperson also claimed that switching to its service will save banks "millions of euros" that currently go to Apple.

Just me or were these two statements completely contradictory to one another? What do I care how much money the banks save? 

It’s never been about customers. They were never the ones complaining unless it was about their lack of access to Apple’s services due to local restrictions. 

It’s always been about the app vendors and the companies and investors behind them who have always wanted a cut or bigger cut of the transactional fees. 

To the customers who are ultimately paying the transactional fees and service charges indirectly it doesn’t matter, unless they have some sort of personal connection to the entities now collecting the fees, like a brother in law who works at the bank in question. 

Finally, what’s innovative about one fee collector getting paid over another fee collector getting paid? Can’t innovate? Absolutely!

Ever since my wife found out the she only had Apple as an option on her phone she has complained. 

It is one of the choice restrictions that Apple imposes and never communicates to users prior to purchase. 

She wants to use our banks Wallet system as I do on my phone. 

Competing systems should bring prices down for consumers in the long run. Unless Apple tries to apply a, cough, 'core technology fee' on competing systems. 

The problem isn't with the cards but the wallet. 

It is why Apple has been forced to open up. Apple takes a cut from every single transaction and doesn't allow competing wallets to exist. That is changing in the EU. 

So, this is about protecting banks so they can earn more money and isn’t about consumer harm. 

The second Apple restricted competition, the consumer was harmed. 

That is now changing (at least in the EU). 

I don’t understand what your wife was complaining about. What harm came to her not having the option to install a wallet from your bank?  Here’s what I asked above that has yet to be answered no matter how many times I have asked: ”I have asked before and never gotten an answer, but what is the benefit to having multiple wallets? What is better about having a separate wallet for each bank? How is this good for the consumer?” (Typo fixed)

Of course I can't speak for Avon B7 but I also prefer Apple not to take a cut from every transaction. I'm British but spent most of my working life in Switzerland. I'd far prefer to support local Swiss banks than have Apple take a cut (as the banks provide hundreds of thousands of jobs etc.). 

So you don't support Apple? Why do you buy their products? Apple has to pay their engineers, upkeep their servers, etc. It's a company's job to operate and make money and they can't do this for free.

phillyfanatic09 said:

Also, I’m American but I can use Apple Pay in Europe or Asia. I’m fairly confident that many European banks wallets will not work in the US unless they tie into Visa or MasterCard - who will take a cut so there goes the whole support your giant banking conglomerate argument.