No, they do it every year. There are always smaller Keynotes with the people who are specialized about that topic and they will tell more about the technical things and so on, like NFC for example. I would have expected nfc in the big Keynote tho... well see.
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Apple Pay Apple Pay in Germany
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Don‘t see one on the schedule.
[doublepost=1528141745][/doublepost]Ok, here is something on friday :
Create Great Customer Experiences Using Wallet and Apple Pay
Hall 3 — 9:00 AM to 9:40 AM
Get the latest news and updates from the Wallet and Apple Pay team. Learn how iPhone and Apple Watch can power innovative commerce experiences. Hear about the latest design best practices for Apple Pay. And discover how to create your own contactless passes for rewards cards, gift cards, tickets and more.
Session 720
Creditcards is getting more and more a payment method in the Netherlands, that’s why I post that text.
It was a reply to your post about Germany and the cashles payment market.
Well in Germany people used a lot less cashles payment then other EU country’s.
Credit Cards are not the only option for cashless payments. And not the best for sure.
And as I said, about half of the local retail sales are paid cashless. Besides: Japan is a much more cash oriented country. Cash is really King in Japan. Apple is available there though. And supports the local payment system.
I don’t understand why the discussion always falls back to „credit cards“ and „cash“. These two topics don‘t matter.
And as I said, about half of the local retail sales are paid cashless. Besides: Japan is a much more cash oriented country. Cash is really King in Japan. Apple is available there though. And supports the local payment system.
I don’t understand why the discussion always falls back to „credit cards“ and „cash“. These two topics don‘t matter.
Just check the schedule via https://developer.apple.com or the WWDC app (which also includes the live streams + videos).
Me neither. Apple is a company making money and their only job is making money. When they decide which country they want to release Apple Pay in, there is no reason to say 'oh, just 40% of germans using cards to pay something. but ukraines are using cards for 60% of their transactions'. the only thing that matters is the costs to implement it on the new market and the return on investment. and if you can have 40% of 80.000.000 ppl thats quite more than having 60% of 42.000.000... and not only the percentage of the ppl using cards to pay something you have to consider, you also need to take a look to the whole amount those ppl are using the transactions for. 100% of 1 € is just half amount of 0.2% of 1.000 €
(disclaimer: numbers are not correct, those numbers are just to make the point more clear)
i do think that deciders in Ukraine (and other countries) are just more open minded to those new solutions than in other countries. and so its less expensive to apple to go to Ukraine and have there investment back earlier. not that much talking to convince hundreds of local organizations, no organizations wanting to promote their own solution and not buying something, and maybe Ukraine banks were easier to convince to pay the fees
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Can't agree more!
Because it's a fact that card payments are not very common in Germany. Petrol stations, bookstore, the kios on the street. Everywhere you come across those little white sometimes yellow stickers; Card payments is not possible here, only card payments from 10 euros.
If you want to pay in Germany, you simply need cash. There is no other country in Europe where people use cash payments than Germany.
Germany is significantly behind other European countries. Sweden is slowly moving towards a cashless society.
So yes it certainly belongs in this disduction.
It's not about that most of the people prefer cash over card payments. It's also about availability
What do you have if you can't use Apple Pay the way it should be. I think a lot of frustration. You can't leave your wallet at home.
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I think in Germany is a 'Henne-Ei-Problem'. PPL are not able to pay everything in Germany because non-cash-payment is not accepted everywhere. But non-cash is not accepted everywhere cause everyone is forced to carry cash and being able to pay by cash. and on top, accepting cash is kinda priceless accepting cards is not...
and that is simply not true but nonsense. more than half of the local retail sales are paid cashless. that's the fact and about nearly 250 billion Euros a year.
And I want to see the gas station where you can't pay with your cards....
About 98% do have and use a bank account card (normally GiroCard, some maestro a few V-Pay), about 40% do have a Credit Card. That is "not very common" in your opinion? Wow. What is "common" for you?
the facts are:
- Half of the in retail stores sales are paid cashless.
- 60% the sales above 50€ are paid cashless
- 75% the sales above 100€ are paid cashless
- cashless payments have a total sum of nearly 250 billion Euros per year
- "cash is king" only matters for sales under 20€, which are done with cash by a majority.
But what is Apple intrested in? 0.2% of your 1.50€ ice cone or 0.2% of your 180€ groceries purchase? Apple does not have interest in a 500 billion Euros market? No interest in 250 billion Euros cashless payments today? no interest inin shifting the cashless quota?
The ongoing repeat of false facts (German don't use cards and so on) don't make them true.
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Germans love cash. The average German has €103 in notes and coins in her wallet. This is more than three times the amount in France or Portugal, according to recent European Central Bank (ECB) estimates. 74 percent of transactions in Germany in 2017 were paid in cash says the Bundesbank. For one of the most advanced economies in western Europe, the love of cash is anomalous. Digital transformation notwithstanding, the future of payments in Germany will mean coming to terms with cash as much as overcoming it.
.....
Yet the use of cards in Germany still lags the EU28 average by around 30 percent.
.....
“Innovation in Germany is slow because of the democratic structure of the savings and co-operative banks. The savings banks have a minimum of nine local savings bank associations. So, the decision process to get agreement is slower than in France, for example, where everything is decided centrally,” explains Horst Foerster, head of research, Payments Cards & Mobile.
https://www.paymentscardsandmobile.com/payments-in-germany/
read the stats of the Bundesbank directly:
https://www.bundesbank.de/Redaktion...n_deutschland_2017.pdf?__blob=publicationFile
And don't mix up count of payments and the volume of the payments.
Nobody cares about how many payments are done by card. It matters how much you pay with cards. And that's about 250 billion Euros.
https://www.bundesbank.de/Redaktion...n_deutschland_2017.pdf?__blob=publicationFile
And don't mix up count of payments and the volume of the payments.
Nobody cares about how many payments are done by card. It matters how much you pay with cards. And that's about 250 billion Euros.
There is only one reason I do carry around that much of money: I cannot pay by card everywhere. I cannot go and buy an ice without cash, cannot go parking without cash, cannot wash my car without cash, cannot get meat at a butcher shop without cash, can barely get a roll without cash - but none I want to eat. So I do need cash in my pocket. and why do I carry around that much? cause I don't want to go to the bank every few days to get cash...
and tbh this has nothing to do with ppl not wanting to pay using cards. everywhere its possible to pay by card its done. and I do see more ppl using cards than using cash.
and tbh this has nothing to do with ppl not wanting to pay using cards. everywhere its possible to pay by card its done. and I do see more ppl using cards than using cash.
and that is the truth.
And I do understand little shops and services. Why should they offer card payments for small amounts of money? The ice cone costs 2€. Calculates margin of perhaps 20ct. And card payment would cost minimum 8ct of that 20ct. Even more if you calculate the costs for necessary infrastructure too. Bad deal for the ice cream parlor.
what to do? raise the prices? cut the margin?
the two biggest local bakeries started to accept GircoCard and MasterCard/Visa at the beginning of the year. not much poeple use it. But nearly all I see pay their grocery purchase with card. just as the stats say.
It is down to the consumers to challenge the arrogance of traders. If they don't accept cards buy elsewhere. They need your business and will have to adapt.
but therefore we can now use our tongue with animojis #apple #beproductive
cmon that is nothing that would work. be in the city, wanting to get an ice and don't go to the shops not accepting cards. you won't get an ice cream that day... or no bread... and tbh I won't buy something that is more expensive or is not exactly what I want just cause I cannot pay using a card. and it has nearly nothing to do with ignorance or arrogance. its just about the fees... all ppl do have money in the pocket, so ppl are able to pay. why should a shop owner pay for something else without having a real advantage?!
the only bakery accepting cards here is a fairly huge company with a young ceo using cards himself and is playing with new technologies. I know him in person cause he's a client of my employer and I did several projects with them.
on the other hand the several payment options must be paid. and as I already stated - accepting cash is free of charge, accepting cards is not. its all about the money...
Well I am German but I live now in Luxemburg and tbh Germany is soo far behind in card payments. I nearly never have cash with me and I don't need it. If its 50 cent for the parking, the ice cream, the local market, everywhere they accept cards without any minimum.
If you go to Sweden, you even find more and more the opposite: shops refuse cash payments.
If you go to Sweden, you even find more and more the opposite: shops refuse cash payments.
Thats exactly what I meant. its not about the customers, its about the shops... I dont know the structure bout the fees in Luxemburg or Sweden, but there must be a difference to the fees in Germany... otherwise more shops would accept cards...
jupp. which would be no big deal for me or you. But there is trouble and resistance growing in sweden because more and more people want to have a choice. Especially older people are feeling overstrained by the situation and don't know how and where to buy their stuff anymore.
see here:
http://www.sueddeutsche.de/wirtschaft/schweden-das-komplizierte-leben-ohne-bargeld-1.4001354
or here:
http://www.manager-magazin.de/finan...chafft-doch-es-wachsen-zweifel-a-1194393.html
(both German articles)
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At least for the US I can tell you, that the margins at shops and trade chains are much higher than in Germany. So there is more room for payment fees.
And that it is an urban legend, that you pay everthing with your card in the usa. In the big shops or at bigger vending machines yeah. But go to a small corner shop and you will often see "cash only".
I think the fees in Europe are the same. At least in the Euro countries.
That's the problem in Germany and thats why Germany is not that interesting for Apple to launch Apple Pay, beside the problems with democratic structure of the banks. You just can't leave cash money at home in Germany.
In the Netherlands you can littery pay everything with your card and just leave your cash money at home
Cannot agree with that. I lived in the us for almost two years New York area and Denver and I never ever even bothered carrying around cash because I simply could pay everywhere with cc. Same goes btw for Russia and Ukraine. It doesn’t matter if I pay for 20 (about 25 cents) rubles in the bakery or my 500 ruble taxi ride. Same goes for the us. Hell you can even tip the waitress with your credit card. In Germany i Never mit even once was able to pay in a restaurant with card. Ever tried to tip someone with card payment? Good luck. People always say bla bla credit card fees with each transaction bla bla. These fees are for all European country’s the same and yet in places like Luxembourg or Sweden cashless payment option are literally everywhere available. Because in Germany people think like “man I need to pay 0.05 percent of 2 euros fee it’s not worth it.” In other countries they think like “well I pay 0,05 percent fee but i still earn money.” That is what’s wrong with Germany. There are people like me if I can’t pay with card I leave my stuff and go. And that’s totally fine with the shops They prefer loosing a customer instead of taking no matter how little money it is you can earn and piss you off. And at the end of the day it freakin is about credit card.
It's not 0.05% of 2€, it's minimum 8ct of 2€, that's 4%. If you calculate with 10% margin, that's a lot. For no reason, if there is nobody, that is making it different.
It is really shocking that some people in here just ignore the facts. Wrong claims are made all the time, see above, but the correction is ignored. And half an hour later, the same claim will be made again.
Why?!
It is really shocking that some people in here just ignore the facts. Wrong claims are made all the time, see above, but the correction is ignored. And half an hour later, the same claim will be made again.
Why?!