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Apple Pay Apple Pay in Germany
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thank you for making that clear - so this is something like a topic to talk about. also something like 'we don't make money using personalized data like others do'...
nothing to bet on, but could be possible...
nothing to bet on, but could be possible...
You’re saying we knew about this Data Protection Keynote 3 weeks ago and nobody used it as an argument for betting on the 25th of October? 
I’m now more than sure, that we’ll get AP activated this week.
I’m now more than sure, that we’ll get AP activated this week.
i am not very optimistic for a start this week. The signs are good for a release this week but there a no "official" rumors. In the past we know the day before the launch, that a new launch in a country is planned for the next day.
But there is nothing and there were so many false "insiders" in the past. I hope it will start this week but I don't think so...
But there is nothing and there were so many false "insiders" in the past. I hope it will start this week but I don't think so...
Perhaps he is waiting for something like „pssst. Wir starten morgen Apple Pay ... aber es darf niemand wissen. Hihih“
so Tim is/was in Berlin, gave a few interviews with newspapers and didn’t say anything about the launch, so unfortunately my guess is, this will take a lot longer than this week
And btw: They announced „later this year“ and not „before the next conference call“
And btw: They announced „later this year“ and not „before the next conference call“
that's why I used " ". Rumors strewn by insiders of participating banks. We had that in Denmark/Finland and the launch in Poland. Some days right before the launch there were rumors that came true. In Germany there were rumors aswell for the last 2 years but it never launched and the sources were impostors
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Yes, they did that, but so far they announcements at the conference calls were always launched before the next one. And I think it will be this way again, as otherwise they would have announced it this conference call and not at the last one.
I just think that as opposed to other countries and their banks, in Germany the banks are much more serious about deals they sign with other companies if they include an NDA, and even if a bank employee knows the launch date, it won’t leak.
And you all know what happened before comdirect officially launched Google Pay.
Apple REALLY likes keeping things secret and how they want them to be. One of the terms was probably to keep secret.
I mean, just look at the tweets between Rudolf Linsenbarth and those DKB guys.
[doublepost=1540230330][/doublepost]I mean, while in Germany we still got the same shelled out statement from comdirect even after the T&C popped up, a Czech bank literally admitted working on it and waiting for a launch date without Apple announcing anything beforehand (unusual) https://twitter.com/komercka/status/1052166097103937536?s=21
Just shows that German banks are much more uptight.
And you all know what happened before comdirect officially launched Google Pay.
Apple REALLY likes keeping things secret and how they want them to be. One of the terms was probably to keep secret.
I mean, just look at the tweets between Rudolf Linsenbarth and those DKB guys.
[doublepost=1540230330][/doublepost]I mean, while in Germany we still got the same shelled out statement from comdirect even after the T&C popped up, a Czech bank literally admitted working on it and waiting for a launch date without Apple announcing anything beforehand (unusual) https://twitter.com/komercka/status/1052166097103937536?s=21
Just shows that German banks are much more uptight.
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And right they are.
One can sense what went on behind the scenes when bunq openly gave easy workarounds and had provided tools to get all their users very easy access to Apple Pay through a virtual Maestro card. Apple immediately turned off card setup for bunq and they had to scramble to build a different backend for that (and restrict it to IT/ES users only - although admittedly it's still easy to get Apple Pay with them anyway). They also were forced to delete and re-upload an edited version of their bunq keynote (which featured Ali Niknam, bunq CEO, switching his region settings to Spain whilst winking at the camera). That's why bunq are much more cautious (read their own forums) about saying anything about the launch in Germany or even about pushing Apple for Apple Pay in NL. Apple has learnt from previous launches and things are much more focused now. I remember the launch in the UK. Some Santander users were able to add their cards a few weeks beforehand. Or look at the Google Pay launch: BW-Bank customers were also able to add their cards many weeks before the official launch. Apple doesn't like it if you don't play by the rules.
The DKB PR guy stated on Twitter, that the reason DKB hasn't said anything or isn't giving away any hints is due to contractual agreements. That's why all they can say is: "wait and see" (unofficial statement) or "we are monitoring mobile payments and are very interested". For the user the problem is to figure out which banks are actually engaging in discussions with Apple (I trust DKB is) and which banks weren't (ie. ING / SPK - the latter was clear from early on).
EDIT: Interesting article by Chief Digital Officer of the DKB in the Handelsblatt -> https://www.handelsblatt.com/meinun...d-bald-ausgedient/23205856.html?share=twitter
Some interesting views on Girocard and mobile payments in general!
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So Tim left Germany and is now in France, my hopes for AP are declining again...oh boy it's an " auf und ab"
Oh I won’t say, that they weren‘t in discussions. They were. About pricing and about nfc access as an alternative if the prices were too high.
And they did not come to a Solution for both sides.
They only added this line:
- Zum Bezahlen mit Ihrem Studierendenausweis benötigen Sie ein iPhone oder eine Apple Watch.
I wouldn’t wonder if Sparkasse was trying to get Apple to allow them billing their customers for adding a card to Apple Pay (no way in hell Apple would ever allow that). This wouldn’t even be that far fetched seeing that the first Sparkassen are starting to introduce fees of 6€/yr for a girocard in Mobiles Bezahlen app. This is ridiculous.
Just shows us how backward thinking Sparkasse unfortunately is. They’re literally butchering their own solutions from the start, not even taking into account that 80% of their custotmers have the “German Angst” of using anything digital that has to do with payments.
Clearly they’re led by people in their 60s who don’t event care about anything anymore.
His speech is in Brussels, so it was more than logical that he leaves Germany. He will use the visit for all kind of stuff in various countries.