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Apple Pay Apple Pay in Germany
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Well at least they didn’t referred to the answer that nfc is not open on iOS. They said that Apple Pay has not been started yet...
I do give a **** on social media team knowledge. But at least it seams someone knows at least a bit about that topic at all. Not like the answers we saw before...
I do give a **** on social media team knowledge. But at least it seams someone knows at least a bit about that topic at all. Not like the answers we saw before...
social media teams always get prescribed terminologies on hot topics. what should they answer, what are they allowed to say, what has to be left unanswered.
Don't think that multibillion euro unions or banks or companies let the social media teams write whatever they want.
nevertheless, we'll have to wait the next weeks and months. at least it's getting interesting again and die market gains drive.
Don't think that multibillion euro unions or banks or companies let the social media teams write whatever they want.
nevertheless, we'll have to wait the next weeks and months. at least it's getting interesting again and die market gains drive.
This tweet shows what data Google "collects": https://twitter.com/holimuk/status/1011653673712308224
Yeah that’s correct, but still it was complete nonsense that the start of Apple Pay has to do with access to the NFC chip. And whoever has told ppl to give that as an answer was dumb.
So let me rephrase my sentence: I give a shot on the social media team answer creators knowledge. Better?
[doublepost=1530086245][/doublepost]The correct answer would have been „Apple Pay has not been started yet, so we cannot say something about it’s start or if we are going to support“ but saying „Apple is not giving nfc access“ when asked about Apple Pay is ********, who ever has created that answer
[doublepost=1530086350][/doublepost]And yes sometimes the teams brought that answer when asked bout mobile payment in general but there is not other option using nfc on iOS than Apple Pay.
i'm with you. that answer was at least misleading.
They know, that they have no chance to get access for their own payment solution, as long as the FCC or FTC in the US or the EU don't intervene. And for this, the market share of iOS is probably not big enough.
Nothing new. If you pay with your girocard or credit card, the bank and payment service provider gets following data:
purchase price
time
location
name
number of your card
With Google or Apple Pay, the payment service provider does not get the card number and name, so its more anonymous for you.
If i'm wrong please correct me.
The „problem“ here is, that another party gets information about ur purchases. And it’s a Party who makes money out of knowledge about persons and making profiles...
[doublepost=1530087149][/doublepost]And now in the real world too and not only in the Internet. That’s a whole new dimension I think
This say's Apple:
"Nach der Autorisierung Ihrer Zahlung sendet das Secure Element Ihre Geräteaccountnummer*, einen transaktionsspezifischen, dynamischen Sicherheitscode sowie zusätzliche Informationen**, die für den Abschluss der Transaktion benötigt werden, an das Kassenterminal des Geschäfts. Auch hier senden weder Apple noch Ihr Gerät die tatsächliche Nummer Ihrer Zahlungskarte. Vor der Genehmigung der Zahlung kann Ihre Bank, Ihr Kartenaussteller oder Ihr Zahlungsnetzwerk Ihre Zahlungsdaten überprüfen. Dabei wird der dynamische Sicherheitscode geprüft, um sicherzustellen, dass dieser einzigartig und mit Ihrem Gerät verknüpft ist."
* "Nachdem Ihre Karte zugelassen wurde, erstellt der autorisierte Anbieter Ihrer Bank oder Ihr Kartenaussteller eine gerätespezifische Geräteaccountnummer, verschlüsselt diese und sendet sie zusammen mit anderen Daten (wie dem Schlüssel zur Erzeugung einmaliger dynamischer Sicherheitscodes für jede Transaktion) an Apple. Die Geräteaccountnummer kann nicht von Apple entschlüsselt werden."
** But which Informations? Thats the big question.
And also:
"Ihre Transaktionen sind nur für Sie, den Händler bzw. Entwickler und Ihre Bank oder Ihren Kartenaussteller ersichtlich."
Well, and what data does the transaction contain? For me a big question mark.
Source: https://support.apple.com/de-de/ht203027
according to CommerzBank, Google gets the information that is needed to acknowledge and complete the transaction and is allowed to use the information only for this specific reason.
Thanks to GDPR, everybody can look up what Google stores and what the information is used for.
besides: Apple needs the same information too. Otherwise no transaction could be confirmed.
This is interesting: https://payments.google.com/payments/apis-secure/get_legal_document?ldo=0&ldt=privacynotice
"Transaction information - When you use Google Payments to conduct a transaction, we may collect information about the transaction, including: Date, time and amount of the transaction, the merchant's location and description, a description provided by the seller of the goods or services purchased, any photo you choose to associate with the transaction, the names and email addresses of the seller and buyer (or sender and recipient), the type of payment method used, your description of the reason for the transaction, and the offer associated with the transaction, if any."
So Google get the data what you bought in a local store? It's not a explicit term for in-app purchases.
"Transaction information - When you use Google Payments to conduct a transaction, we may collect information about the transaction, including: Date, time and amount of the transaction, the merchant's location and description, a description provided by the seller of the goods or services purchased, any photo you choose to associate with the transaction, the names and email addresses of the seller and buyer (or sender and recipient), the type of payment method used, your description of the reason for the transaction, and the offer associated with the transaction, if any."
So Google get the data what you bought in a local store? It's not a explicit term for in-app purchases.
We were taling about a sh itstorm in norway i think because a bank didnt support Apple Pay...
Look at the tweets on this link, the sh itstorm is there...
https://twitter.com/sparkasse/status/1011567289005740032
Look at the tweets on this link, the sh itstorm is there...
https://twitter.com/sparkasse/status/1011567289005740032
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LOL. This is just big nonsense. They bring up an app where u can add ur giro and credit card. But giro card is not useable abroad, just in Germany.
That is so ****ing stupid...
We are back to a crappy „insellösung“. We had that topic at the beginnning and were blamed for saying that. Sad that we were right. Old crappy German Sparkasse, not understanding techniques and the needs/wants of their customers...
No one wants another crappy **** app. Ppl want to use the deep integrated solution with all features available. They just put their cards into the phone. And having to unlock the phone, open an app and maybe entering a code to pay more than 25€ is much less comfortable than just using ur card the physical way...
That is so ****ing stupid...
We are back to a crappy „insellösung“. We had that topic at the beginnning and were blamed for saying that. Sad that we were right. Old crappy German Sparkasse, not understanding techniques and the needs/wants of their customers...
No one wants another crappy **** app. Ppl want to use the deep integrated solution with all features available. They just put their cards into the phone. And having to unlock the phone, open an app and maybe entering a code to pay more than 25€ is much less comfortable than just using ur card the physical way...
To be honest I am not surprised that Sparkasse wants to push their own app and do not cooperate with google pay. I've been saying this over and over again. And if they do it right I dont mind it either. But there will always be limitations that make the use of not integrated services like google pay a pain. Just look at bunq for example. I've been a bunq customer for a very long time and I gave it a try on android because they offer tap & pay within the app. But the problem with it is you have to unlock your phone first, then open the app and verify tap & pay and then again verify with fingerprint or passcode the payment itself. If you dont have a data plan or network available in the moment you want to pay you simply cant because the app wont even open. And to make it even worse there is a payment limit of 100 € or something like this.
I'm not sure how bunq works now and if something changed about this process but back then when I gave it a try it was such a pain in the *** that I gave up using it after a few embarassing moments trying to make a payment which in the end did not work as simple and easy as it should. If I need like 30 to 40 seconds just to get the phone ready for making a payment then I can outright skip the whole process and use my nfc card which only takes like two seconds.
Google Pay and Apple Pay are just perfectly integrated in the system and make it much more comfortable to actually use your phone for contactless payment. And I doubt that Sparkasse App will give you the same experience that GPay or Apple Pay give you. Mobile or contacless payment should make paying easier and faster but thats not given with most of the banks own solutions.
I'm not sure how bunq works now and if something changed about this process but back then when I gave it a try it was such a pain in the *** that I gave up using it after a few embarassing moments trying to make a payment which in the end did not work as simple and easy as it should. If I need like 30 to 40 seconds just to get the phone ready for making a payment then I can outright skip the whole process and use my nfc card which only takes like two seconds.
Google Pay and Apple Pay are just perfectly integrated in the system and make it much more comfortable to actually use your phone for contactless payment. And I doubt that Sparkasse App will give you the same experience that GPay or Apple Pay give you. Mobile or contacless payment should make paying easier and faster but thats not given with most of the banks own solutions.
Yes, unfortunately it was already there since they support topping up accounts with Apple Pay.
The market will tell, if S has success with their solution. If not, they will have to pay the price in losing customers. I'm relaxed, there are more than enough alternatives for everyone.
To this point:
https://twitter.com/ulle1979/status/1012016389564006401
You don't have to open the App to pay, wat would be very nice. But it has to be confirmed.
What I don't get is, that maestro is not supported at launch but in 2019.
On the one hand, over 90% of the customers won't care at all. On the other 10% drive mad, what is never a good idea.
Interesting too:
https://twitter.com/ulle1979/status/1012032030186536960
(if you believe him, but he seems to be in the industry accoding to his profile)
To this point:
According to this thread:
https://twitter.com/ulle1979/status/1012016389564006401
You don't have to open the App to pay, wat would be very nice. But it has to be confirmed.
What I don't get is, that maestro is not supported at launch but in 2019.
On the one hand, over 90% of the customers won't care at all. On the other 10% drive mad, what is never a good idea.
Interesting too:
https://twitter.com/ulle1979/status/1012032030186536960
(if you believe him, but he seems to be in the industry accoding to his profile)
This is interesting. With Android Pay it was possible to pay from the lock screen, but it has disturbed many users without paying fingerprint or pin prompt.
https://www.reddit.com/r/GooglePixe...roid_pay_allowing_purchases_from_lock_screen/
https://forums.oneplus.com/threads/fingerprint-or-pin-when-using-android-pay-for-security.618252/
Android Pay is now Google Pay, and as far as i know Google Pay don't allow other apps to pay via the lockscreen. I'm curious how the Sparkassen will solve this problem.
Question is, what they mean with "Screen on".
1. Screen on in Lock-Screen
2. Screen on in Unlocked Mode.
I think it will be at least version 2 and the app has to run the whole time in the background (battery!), maybe even making it a problem to use two "apps" like these, because which one will take the request???
1. Screen on in Lock-Screen
2. Screen on in Unlocked Mode.
I think it will be at least version 2 and the app has to run the whole time in the background (battery!), maybe even making it a problem to use two "apps" like these, because which one will take the request???
That's the question. The short description sounds like, it can be used like Google Pay. We'll have to wait until launch.
The reaction in social media should point out, what the user base and the market say. Is it enough to think about the position?
Interesting that only one gets the full attention and all other banks fly beneath the radar - with similar positions and marketing plans.
The reaction in social media should point out, what the user base and the market say. Is it enough to think about the position?
Interesting that only one gets the full attention and all other banks fly beneath the radar - with similar positions and marketing plans.
Hope it is making them to rethink their decision...
Or I hope it’s at least it’s implemented in a way ppl will use it. When not, it will be a „rohrkrepierer“ and will have a very bad outcome to all other banks and their decisions
Or I hope it’s at least it’s implemented in a way ppl will use it. When not, it will be a „rohrkrepierer“ and will have a very bad outcome to all other banks and their decisions
Different worlds:
We have to request our banks to change their mind to offer these payment solutions we want.
And this bank want to change their customers mind by offering 100$ cashback if you open an account for Apple Pay and use Apple Pay at least 3 times during the campaign period.
https://www.creditunionsa.com.au/tools/digital-wallet/apple-pay/cashback/
Imagine Sparkasse would give everyone 100€ for account opening and using Apple Pay
We have to request our banks to change their mind to offer these payment solutions we want.
And this bank want to change their customers mind by offering 100$ cashback if you open an account for Apple Pay and use Apple Pay at least 3 times during the campaign period.
https://www.creditunionsa.com.au/tools/digital-wallet/apple-pay/cashback/
Imagine Sparkasse would give everyone 100€ for account opening and using Apple Pay
According to this article the cash payments are down to 48%
https://www.chip.de/news/Google-Pay-gestartet-Fuer-deutsche-Banken-eine-Blamage_143095315.html
https://www.chip.de/news/Google-Pay-gestartet-Fuer-deutsche-Banken-eine-Blamage_143095315.html