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Apple Pay Apple Pay in Germany

in this study the researched three fields, and each three made 33% of the final result:
- 33% for communication
- 33% for the website
- 33% for in-store user experience

at least for communication they only checked sep 2018 — nov 2018, so before Apple Pay launched.

in the the category 'in-store user experience' Apple Pay is on place 1.

so yes, don't judge a study you didn't fake yourself ... ¯\_(ツ)_/¯
 
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zdfbe4ah said:
in this study the researched three fields, and each three made 33% of the final result:
- 33% for communication
- 33% for the website
- 33% for in-store user experience

at least for communication they only checked sep 2018 — nov 2018, so before Apple Pay launched.

in the the category 'in-store user experience' Apple Pay is on place 1.

so yes, don't judge a study you didn't fake yourself ... ¯\_(ツ)_/¯
Click to expand...

33% for Website....

https://www.sparkasse.de/unsere-loesungen/privatkunden/bezahlverfahren/kwitt.html

For that? And which in-Store experience with kwitt? It‘s a modern c2c Solution but Not for payments....
 
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I'm so curious how many people actually have changed banks in the last three months or are in the process of doing that because their bank won't support ApplePay. Is the critical mass of unhappy Sparkassen customer + customers leaving now high enough that Sparkasse started talking to Apple?
I would assume that a lot of people that are interested in AP and had their main account with Sparkasse opened another account to try it or got a credit card. So maybe those people haven't given up on their main Sparkasse account yet but they might be wondering now why they pay like 10€ / month for the account and xx€ / year for the credit card from Sparkasse... ;)
 
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Don’t think that AP has this much real market impact. It is still just a Social Media Hype with some loud fans. And don’t think they got into negotiations just after the launch.

Relevant market decisions are made on the long term. Not short hype.
 
There are different opinions out there and that's exactly why I would love to see some hard facts and numbers from the banks. But since no bank wants to admit that they lost so and so many customers because they don't offer G/A Pay and Apple doesn't release any numbers either, the only hope is for some "analysts" that leak "inside information" from the banks. But then the question of trustworthiness arises - we can't win - sigh.
 
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sir-hd said:
The beginning of the month seems to be a regular thing now for new banks to start supporting Apple Pay.

"Deutschland Kreditkarte" now supports Apple Pay: https://www.deutschland-kreditkarte.de/apple-pay.html
Click to expand...

Not just Deutschland Kreditkarte, as this is a co-branding with Hanseatic Bank, all their partner cards now support Apple Pay as stated here: https://www.hanseaticbank.de/kreditkarte/kooperationskarten

- Karstadt VISA Karte
- star VISA-Kreditkarte
- ACE-KreditKarte
- pluskarte VISA
- Deutschland-Kreditkarte Classic
- Deutschland-Kreditkarte Gold
- Hagebau Partner-Card VISA
- Werkers Welt Partner-Card VISA
 
KarstenS said:
Good thing is: boon has its card PIN back.

Needed it today on a gas station.
Click to expand...
I never haved used it with boon, but signature at Ikeas old terminals. Even outside the restaurant downstairs where I thought it works, I had to "sign" yesterday. So I just drew some strange lines...
 
It's really interesting that a few additional banks have been added, like the Hanseatic Bank partnerships that sir-hd first mentioned and also Monese is now an official partner, yet the Apple Pay official site has not been updated.

More interesting is the silence with the upcoming partners. Revolut will be an international rollout, people have been waiting for Apple Pay in more than just Germany, but also German banks like DKB and Consorsbank haven't said a lot recently, have they?
 
AFAIK DKB as part of BayernLB is depending on the bi-annual release cycle of Finanz Informatik and therefore has to wait for the next rollout to happen (in April/May?). So they cannot really say anything new because nothing changed since their announcement to support Apple Pay soon (unless Apple Pay was already implemented end of last year which I highly doubt).
 
Interesting - has this been mentioned before? Went to IKEA and the terminals at the restaurant required a signature for a sum of less than 5 Euros and those at the self-checkout didn't require anything as usual for a sum larger than 25 Euros.
 
https://www.handelsblatt.com/finanz...ml?ticket=ST-3712521-clYjnbHb9Mid3WQAACoB-ap3

Seems like the Sparkassen realised that they're just a bunch of small town bankers vs. a global company like Apple. Happy to see, that Sparkasse saw the light.

EDIT: Even if I'm not a fan of Girocard, I'm glad to see that Sparkasse isn't restricting themselves to credit cards. I still think a MasterCard Debit (possibly as a co-brand) would be a must-have.
 
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underkuerbis said:
Also isn't the NFC logo right now supposed to signify AP acceptance already?
Click to expand...

No. The NFC Logo just says you can use contactless. But you still have to use a card scheme that is supportet by the vendor. If they only accept Girocard, like some Subway restaurants I know, then you can use only Girocard for contactless too.

Apple Pay always uses the card scheme of the underlying card. So when you use a Mastercard of your wallet for Apple Pay, then the contactless scheme of Mastercard will be used on the terminal and so on.

I really do hope the Girocard implementation will also include CDCVM support. Without it will be nearly worthless for me.
 
KarstenS said:
I really do hope the Girocard implementation will also include CDCVM support. Without it will be nearly worthless for me.
Click to expand...

There’s no way Apple would implement Girocard without CDCVM support. According to the tweets of that Sparkasse guy on twitter, CDCVM should be there in April for the Android app, together with Maestro.
 
Don‘t think they implement Girocard system in apple Pay, more likely vpay or maestro, so there is no need for a new card they just use the co branding to get it into the wallet. Or they do it like Deutsche Bank and get their customers a virtual Mastercard debit...
Girocard is just Germany and apple thinks globaly, that would confuse the customers when they try to pay in italy and it would not work because of the use of german Girocard
 
Wimmal said:
Don‘t think they implement Girocard system in apple Pay, more likely vpay or maestro, so there is no need for a new card they just use the co branding to get it into the wallet. Or they do it like Deutsche Bank and get their customers a virtual Mastercard debit...
Girocard is just Germany and apple thinks globaly, that would confuse the customers when they try to pay in italy and it would not work because of the use of german Girocard
Click to expand...

No way for them not to implement Girocard. It’s probably the 2nd biggest reason for why Sparkasse didn’t offer Apple Pay at start after the cost question.
It is possible to have both maestro/VPay and Girocard in Apple Pay in one card. The terminal then just chooses which one to take first. Just like with the physical card as well.
 
Wimmal said:
Don‘t think they implement Girocard system in apple Pay, more likely vpay or maestro, so there is no need for a new card they just use the co branding to get it into the wallet. Or they do it like Deutsche Bank and get their customers a virtual Mastercard debit...
Girocard is just Germany and apple thinks globaly, that would confuse the customers when they try to pay in italy and it would not work because of the use of german Girocard
Click to expand...
They think so globally that they support CB in France or suica in Japan ;)


We had this topic several times
 
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