• sennmood@lemmy.world
      link
      fedilink
      English
      arrow-up
      3
      ·
      1 year ago

      As blatantly anti-competitive as it may be, I don’t want to be in a position where, if I want to pay for something with my phone, I’m forced to use whatever shitty application my bank decides to implement (I’ve had banking applications just decide to stop working for a few days, for no apparent reason; there are banks that have countless applications, each doing something slightly different, with complex, oftentimes downright hostile authentication methods, involving combinations of these apps)

      I like the fact that, regardless of card I use, they’re all exposed through the same simple Wallet application, that always works.

      • JasSmith@kbin.social
        link
        fedilink
        arrow-up
        2
        ·
        1 year ago

        The big difference in such a situation is that you have the freedom to choose a different bank if their payment app is bad. You do not currently have the freedom to choose a different payment app on your iPhone. This is the fundamental issue the EU and US are addressing.

        • AA5B@lemmy.world
          link
          fedilink
          English
          arrow-up
          2
          ·
          1 year ago

          I have the freedom to use a different phone at any time. I chose Apple because of a better user experience, better security and privacy

      • pycorax@lemmy.world
        link
        fedilink
        English
        arrow-up
        2
        ·
        1 year ago

        For NFC, no one really does that even on Android even though NFC is available for use. Instead, in some countries they use QR-code payments to bypass the NFC limitations that Apple imposed.

        • sennmood@lemmy.world
          link
          fedilink
          English
          arrow-up
          1
          ·
          1 year ago

          I’ve seen that done in Germany, and I was kind of shocked. You could only pay using NFC from the banks’ app.

          • pycorax@lemmy.world
            link
            fedilink
            English
            arrow-up
            2
            ·
            1 year ago

            Man that’s pretty stupid. I’m guessing they don’t use Visa/Mastercard and instead use a proprietary protocol?

    • narc0tic_bird@lemm.ee
      link
      fedilink
      English
      arrow-up
      3
      ·
      edit-2
      1 year ago

      Nevermind then. I could’ve sworn I read somewhere that a bank on my country had their own payment system available on the iPhone.

      • JasSmith@kbin.social
        link
        fedilink
        arrow-up
        1
        ·
        1 year ago

        They might use a workaround. QR codes, barcodes, etc. Some banks have done this, but the user experience is poor.