So it has rapidly expanded, like 2017 to 2016 looks like it's even bigger grow in 2018 compared to 2017 (on which I based).
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Apple Pay Apple Pay in Germany
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So it has rapidly expanded, like 2017 to 2016 looks like it's even bigger grow in 2018 compared to 2017 (on which I based).
But that’s not the fault of the customers. They use what they get and they get what banks are giving them...
I am using my credit card all the time, cause it’s nfc. My giro card is not. But it will be replaced this year. I am customer of ing diba.
I am using my credit card all the time, cause it’s nfc. My giro card is not. But it will be replaced this year. I am customer of ing diba.
private banks started the NFC-GiroCard rollout really late. most of them this year... Volksbanken and Sparkassen back in 2016 or 2017.
CommerzBank and Deutsche Bank for example changed their credit cards to nfc cards in 2016, GiroCards from 2018 on.
Sure it's not.
They can force their needs but it would need major of them to want that change and change their behavior.
What I really don’t get. There a tons of articles stating that „the Germans don’t want to pay using something else than Cash“ and on the other hand you are not able to pay everything electronically, those articles are absolute nonsense.
I pay with my cards everytime I can, but I still need cash to get bread, ice cream, etc... i am not able to use my card as much as i would like to and i am sure other ppl do have the same „problems“
In my opinion it’s the fault of the banks/payment providers not pushing electronic ways of payments to all shops cause of fees and the lack of Marketing to make shop owners want to get and use those terminals. and it’s the fault of the shop owners staying in the medieval of payments...
I pay with my cards everytime I can, but I still need cash to get bread, ice cream, etc... i am not able to use my card as much as i would like to and i am sure other ppl do have the same „problems“
In my opinion it’s the fault of the banks/payment providers not pushing electronic ways of payments to all shops cause of fees and the lack of Marketing to make shop owners want to get and use those terminals. and it’s the fault of the shop owners staying in the medieval of payments...
Hmmm.
LBBW says, that LBBW will support Google Pay in August.
https://twitter.com/LBBW/status/1011566609268461569
Market launch of GiroCard digital also August? At least at Volks- and Raiffeisenbanken:
https://twitter.com/BVRPresse/status/1010055418033459201
next earnings call of Apple: August.
(just kidding)
LBBW says, that LBBW will support Google Pay in August.
https://twitter.com/LBBW/status/1011566609268461569
Market launch of GiroCard digital also August? At least at Volks- and Raiffeisenbanken:
https://twitter.com/BVRPresse/status/1010055418033459201
next earnings call of Apple: August.
(just kidding)
I was surprised too. ING-Diba and DKB are the two largest online banks in Germany.
Boon supports Google Pay.
BVR says: "Im Moment haben wir uns für eine eigene Lösung entschieden. Funktioniert mit girocard, ViSA und Mastercard".
For me is this the main problem. The Volks- and Raiffeisenbanken and Sparkassen want that their costumers use their solution for mobile payment. The Sparkasse have certainly invested more than a million euros in the development of their own mobile payment method, and if they cooperate now with Apple or Google Pay they make their own mobile payment system unnecessary.
I think the banks that support Google or Apple Pay at last are those that already have their own mobile payment solution on the market.
Not really. They are the ones who own the cards issued through their sub BW-Bank.
As it says on the back of my BW-Bank VISA: „Diese Karte ist Eigentum der Landesbank Baden-Württemberg und ist auf Verlangen zurückzugeben.“
That's correct. But the point is: the BW-Bank also is a public bank and is some kind of "local Sparkasse" for the city of Stuttgart. Before 2001 the LBBW had the function of the local "Sparkasse" itself (surrounded by the KSK LB in the north and so on) and after acquiring the BW-Bank, the offers for private customers where bundled up in the BW-Bank
(if I remember correct, it's quite some time - I lived in Ludwigsburg back than)
So, the LBBW is the central bank of the Sparkassen of three federal states with an own subsidiary for private customers, that is member of the DSGV too, the ATMs are classified as Sparkassen ATMs, you can withdraw money for free at other Sparkassen ATMs with the BW-Bank-Card (GiroCard contactless) ...
Even the BW Banking App is a rebranded (other colors) Sparkassen App with Kwitt-Support and anything else S-specific by Star Finanz GmbH (sub of the finanz informatik, whic is a sub of the Sparkassen Finanzgruppe) so on.
So the two banks (parent LBBW and subsidiary BW-Bank) are close to, if not part of, the S-Network with all product lines.
That raises the question: why and what does this mean for other banks connected to the LBBW?
Are my thoughts plausible?
Looks like the Sparkassen has no interest to support Google Pay (and Apple Pay):
http://twitter.com/sparkasse/status/1011567289005740032
http://twitter.com/sparkasse/status/1011567289005740032
This is kinda embarrassing... but this is what I thought bout their thinking. Making something themselves instead of using something existing...
The market will regulate this. The backlash in social media is noticable.
On the other hand, you don’t need Google Pay on Android. But I doubt, that the S-App is as comfortable to use like Google Pay.
Or will it be usable with locked screen, etc.?
On the other hand, you don’t need Google Pay on Android. But I doubt, that the S-App is as comfortable to use like Google Pay.
Or will it be usable with locked screen, etc.?
I don't think that Android has an API (https://developer.android.com/reference/packages) for this function, because otherwise Google Pay would be unnecessary.
Or useless at all. Reminds me on NFC on Apple, which is just blocked for developers to push Apple Pay und force financial institutes into this Apple service.
well, let's see what happens in the next months. Google Pay introduction is a good step for the market - everybody has to move. Even Apple.
well, let's see what happens in the next months. Google Pay introduction is a good step for the market - everybody has to move. Even Apple.
Good question. Try to ask them. Google Pay has just started and on of their union already turned around.
As I said before: The Sparkassen have certainly invested more than a million euros in the development of their own mobile payment solution. If they now support Google Pay, the development was unnecessary.
I think the social media team of them is just posting crap and have no clue at all.
well then the message "not an option" would be "crap" too
Accepting tweets that support the own opinion and rejecting others would be cherry picking.