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Apple Pay Apple Pay in Germany
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Maybe this earnings call.....
https://9to5mac.com/2018/04/02/apple-schedules-q2-2018-earnings-release-for-may-1/
https://9to5mac.com/2018/04/02/apple-schedules-q2-2018-earnings-release-for-may-1/
Yeah because everything sunny told us was right so far. Just let me recap ... didn’t sunny say Apple Pay will be announced on apple earnings calls on feb. 1? And then he told you that it will happen in March because of some problems with MasterCard. So now we have April 2 and some people still believe that sunny knew something. He didn’t. He was a liar. A wanna be. Not a single Information he provided us turned out to be true. That MasterCard had some problems with double transactions is no insider information. Lots of people got emails or letters from their bank that told them about it. Even n26 sent some email about this issue. Can we please just stop to talk about this dude? I thought your deadline was March 31 too.
BTW: on Twitter there are hints that devs are already preparing/updating their apps for Apple Pay release.
Side note:
If you read the bank statements or follow them on Twitter, every single bank says: „Apple did not start Apple Pay in Germany yet“, some even say „we are ready“. Not a single one says „no interest“ or „we don‘t support it“.
I don‘t think the popular theory of „banks are holding it back“ is solid anymore.
If you read the bank statements or follow them on Twitter, every single bank says: „Apple did not start Apple Pay in Germany yet“, some even say „we are ready“. Not a single one says „no interest“ or „we don‘t support it“.
I don‘t think the popular theory of „banks are holding it back“ is solid anymore.
Some updates for apps targeting Brazilian users. The launch should happen any day now. One of the Brazilian banks posted a note on Twitter saying that a launch was in "a couple of days".
Of course banks say stuff like "yeah we look into it" or "of course we are working on it" or "we are interested" blabla. If you want something they surely will not crush your hopes and sent you straight to some other bank. Why would they be so stupid and say "no we dont care about apple pay and all those freakin iOS users just go to hell". Wouldnt be very smart.
Just for apps in brazilian app store and brazilian users. Just search twitter for "apple pay" or "apple pay brazil" some information including screen shots will pop up.
Something I wanted to add about sunny/n4p84... just to add some more about how trustworthy those two "insders" are. n4p84 tweeted on march 15 the following:
np484 said:
First, to lie in the face of your customers ("we told you, that we ware ready and want to, but wie won't, bätschi") wouldn't be very smart either. So there is no reason, to pretend something which might give you backlash
Second, there are only a few iOS users in the German market. So customer movement would be hardly countable. Don't overvalue the weight of iOS users. 15% have an iPhone and of this 15% roughly 20% will be interested in Apple Pay in the first months or years.
So therefore it would be smart to talk straight and the truth for the companies. No reason for ********ting the customers.
wirecard, American Express, N26, bunq, HypoVereinsbank/UniCredit, etc.pp. would be there to fill the gap at the start. That would be more banks and more customers that switzerland or the uk had at the beginning (or still until today, especially Switzerland).
Sorry, the most plausible scenario is indeed, that Apple is holding back the market entry in Germany etc.
iOS users are a LOT more valuable than your average Android user. They spend more money, have a tendency to try new tech out more then other users and overall are not to be underestimated. Every online shop will tell you that.
I agree with you on Switzerland, it's still an absolute disaster there. But more banks / customers than the UK? No way. Of the main banks only Barclays thought it would be a good idea to pull out of the launch. They paid the price for that. Also don't forget that the TfL system was supported right from the beginning and most merchants had it set up on day 1.
Germany's banking sector is a whole different story, you have hardly any private banks compared to other countries. You would need the Sparkasse (public) and Volksbanken (co-operatives), also ING DiBa as the largest direct bank (about 8-9m customers), possibly the DKB (3,5m), Deutsche Bank / Postbank and only then would you have a comparable launch. Maybe one pull-out, but no more.
The UK had NatWest, Nationwide Building Society, Royal Bank of Scotland, Santander, Ulster Bank, MBNA at launch and HSBC and First Direct a few weeks after. Apart from Barclays the "Big Four" were part of the launch. The Bank of Scotland, Halifax, Lloyds Bank, M&S Bank and TSB Bank joined a couple of months after launch.
I can't imagine this scenario in Germany. I think the Sparkassen seem to be a good bet and I sense that the Sparkassen IT is fairly homogenous, despite there being many hundreds of independent Sparkassen dotted around Germany. Rolling out features happens fairly quickly with them. But the Volksbank is a lot worse. There are 7 Volksbanken within a 20min drive from here. The Sparkasse on the other hand has the entire county covered under one branch.
EDIT: This probably means nothing, but TransferWise just got an update. It now supports the Wallet app. No changes I can see in the app and can't see anything I can add to it from the app. Rudolf Linsenbarth ("renowned German bank blogger") commented on TransferWise with the new MasterCard for the Borderless account a couple of weeks ago by saying: "The option is there for Apple Pay."
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this might be true for US or UK. But not for Germany. "Techies" use Android smartphones in this country
Look inside the tech companies or on the desk of technology interested people and you will finde Android smartphones. And... first German banks already support NFC-payments on Android
(Postbank i.e., boon. by wirecard,...)Are you sure, they were all in the round of the starters? thought, in UK the "starter pack" was rather small too.
Well, whatever. We'll see.
Well this is exactly what I have been saying over and over again but I got hated on for saying it a couple of weeks ago and I was called the "troll" for not believing what sunny and this n4p84 guy said.
Im sure that some banks are very interested in Apple Pay. But probably not all of them. And those who dont care about it will surely not say "No we dont care." cause they still want to hold you as a customer and not dissappoint you. Like isnt that the first rule in this buisness? Tell your customers what they want to hear and theyll feed from your hand.
I am 100 % sure that its not up to the banks. Like I said multiple times, there are more than enough banks willing to support Apple Pay in Germany. Just look at N26. They support Apple Pay in all but one country where Apple Pay has launched: Ireland. And why is this? On twitter was a very funny conversation with an irish man and N26 customer service about this very situation and in the end N26 stated multiple times that it is all about Apple why they cannot offer Apple Pay in Ireland. And if you think about it, why wouldnt they? France, Italy, Spain, Finland ... they support it everywhere but Ireland. So it makes total sense that it really is up to Apple. And thats why im pretty sure we do not get Apple Pay in Germany. Not because of the banks. And if it really is up to Apple, then I dont see why something should change about this situation in the next two, three, four or five years. Because look it... last two years NFC got introduced. More and more places allow you to pay with card and even credit card AND NFC. Two years ago it was much much worse. So the german market did change in the right direction and Apple still did not introduce Apple Pay. So why should they in the future. What are they waiting for?
But seriously to all those people you eagerly wait for Apple Pay. Just get yourself boon. or try Bunq out if its still working. Im using Apple Pay with my sberbank and for the last two weeks with bunq too. I only ran once in problems with paying with Apple Pay. So it is working in like 99 % of the stores I went too. But it didnt change my world. I just think the hype about Apple Pay is not gonna live up to it. I even see myself paying with my contactless card more and more again especially now with bunq which overs so many great features over any other bank. Just get yourself boon. try it out, have your fun with it and see if you really need this.
Sure it’s up to yourself. Like I said it’s not live changing. It’s not like you miss out on something if you don’t use Apple Pay. Especially if you already have nfc cards. The jump from good old non-nfc cards to nfc payment was much much bigger for me than from nfc to Apple Pay.
Did I miss something? Since when does Apple Pay support EC cards?
See in France = Société Générale (EC Karte)
Or is this a mistake on the part of Apple?
https://support.apple.com/de-de/HT206637
See in France = Société Générale (EC Karte)
Or is this a mistake on the part of Apple?
https://support.apple.com/de-de/HT206637
The french „EC Card“ will be the Carte Bleue.
Apple Pay supports different kinds of local payment systems worldwide. See Canada, Japan or France.
The ongoing nagging about the German „GiroCard“ in this thread as an „Insellösung“ and reason for the lack of Apple Pay is nonsense as mentioned several times.
Any clue what cartes bancaires is? Is it also like an EC card?
https://support.apple.com/fr-fr/HT206637
The french interbank network for payments, cash withdrawing and so on is called Groupement des Cartes Bancaires. And they issue the „Card Bleue“.
Just like the German GiroCard. And as the GiroCard are the roots of the CB back in the 80s, full electronic as smartcard since the early 90s.
Most european payment cards were much more technological advanced and secure than the american credit cards for decades.
seems so... but isn’t that something we thought Apple wouldn’t do again? Or is there just one (very very very uber) large bank?