Apple Pay Apple Pay in Germany

[wSchabby]

If anyone cares to check back with what I reported a while back from the Sparkasse event I attended, everything has been confirmed so far. Information by S-Payment was also, that Apple Pay is a no go. Sparkasse want access to the NFC chip.

Interesting that some people like SynTom, etc. are telling the exact opposite.

And it is even more interesting, that sunny2k1 predicted the exact same story from SynTom back in January. And if you visit sunny2k1's twitter account, he is still telling the same thing.

 

[KarstenS]

Sparkasse want access to the NFC chip.

Which won't happen.

 

[docfred]

That‘s the point. It won‘t happen as far as we know. Even with the new NFC API-kit in iOS 12.

And they know it too.

Either way, the tweet is some days old and a few hours later they stated, they are interested again. Social Media teams... ¯\_(ツ)_/¯

31st July, if....
Sept, who....

 

[Tobsen]

And it is even more interesting, that sunny2k1 predicted the exact same story from SynTom back in January. And if you visit sunny2k1's twitter account, he is still telling the same thing.

Does he still tweet about it? Can’t read his account, it’s still private.

 

[phpman]

n4p84 is also back

http://twitter.com/n4p84/status/1014756621342396416

 

[docfred]

cute.

Every four weeks in front of an earnings call

 

[4254126]

What a waste of time. Sparkasse won't launch Apple Pay anytime soon. All those rumours and nothing to support them.

I'm still optimistic that @holimuk (Rudolf Linsenbarth) mentioned on Twitter that Apple Pay will launch in Germany this year (same person that told him about the precise Google Pay launch). That would also suggest someone within Commerzbank/Comdirect, which also seems to be part of their strategy. If Apple were able to break into the market with the same launch partners as Google Pay, possible including LBBW (? - which could include some BW-Bank and Sparkassen in the South-West - the region with the highest penetration of NFC terminals and contactless payments), then that would be a much better launch than in some other countries. Then they could take further steps in convincing other banks to join. The longer they wait, the higher the pressure to eventually open-up the NFC chip to payment services.

Btw slightly OT: Commerzbank really seems to be on a roll to take things forward -> http://finanz-szene.de/projektname-...ba-plaene-fuer-eine-europaeische-digitalbank/

In the last months they have shown quite an innovative side compared to other German (private) banks. We'll see.

 

[docfred]

I'm still optimistic that @holimuk (Rudolf Linsenbarth) mentioned on Twitter that Apple Pay will launch in Germany this year (same person that told him about the precise Google Pay launch).

But he also mentioned, that he thinks ApplePay will launch with GiroCard support and he bets on the "reds" to launch GiroCard at ApplePay


Will be some tough weeks with circle running discussions over and over again.

 

[4254126]

But he also mentioned, that he thinks ApplePay will launch with GiroCard support and he bets on the "reds" to launch GiroCard at ApplePay

That was in response to the rumours after someone asked him which were more likely to join at launch (VoBa or SPK).

His information is - as far as I understand it from the thread - not connected to either of those banks.

 

[docfred]

That was in response to the rumours after someone asked him which were more likely to join at launch (VoBa or SPK).

His information is - as far as I understand it from the thread - not connected to either of those banks.

I reread the thread.

He stated, that AP will launch this year but the question is: "if with or without GC"
And then, that if it will come with GC, than more likely with Spk than VBRB

https://twitter.com/holimuk/status/1012611876994285568

It reads as he knows a little bit more around the ongoing processes. But after Telefon-Treff-hype he pulled out of the discussion, after he liked (and retweeted?) some of the tweets in the first days.


We'll see what will come. The known work arounds are still in function.

 

[docfred]

In German we would say „Kuddelmuddel“

https://twitter.com/sparkasse/status/1014786532484485120?s=21

 

[Tobsen]

In German we would say „Kuddelmuddel“

https://twitter.com/sparkasse/status/1014786532484485120?s=21

View attachment 769162

So, they are ready, but Apple has to say go

 

[docfred]

So, they are ready, but Apple has to say go

At least we are back in the „we never said never and as long as Apple does not push the button, we‘re all in the same boat“ mode.

Heiliger earnings call, Robin.

 

[Alanin]

but remember: Social Media Team knows nothing. So an interpretation of 'apple needs to push the button, we are ready' is wrong. though it can be true but Social Media Team will never know before...

 

[mosskwa]

I know, this pretty dubious and I don't have the slightest idea, who this guy is, who posted this.
But yeah, I found this in a forum. Do with that information what you want. Maybe thats just a second sunny2k1, maybe not...

https://www.telefon-treff.de/forum/herstellerforen/apple/576857-apple-pay-ãœbersicht-fã¼r-deutschland/page35

I have been a silent reader of this thread ever since (I am waiting for Apple Pay to start in Germany... ). But: Regarding the whole "Sparkasse is testing Apple Pay" story I recently found this under an article about the rumors...

Sounds quite similar to what the guy from Telefon-Treff posted...

Source: https://www.iphone-ticker.de/sparkasse-apple-pay-testlaeufe-klassische-falschmeldungen-128125/

 

[Karma_isA_8itch]

I dont believe this guy. Neither this Nicolas nor BookMeFace. The whole scenario sounds very unlikely to me. Especially that he knows exactly what was "printed" on that card in the wallet. I mean paying with Apple Pay is so quick it takes a second and you are done. From what I've seen and experienced people hold their phones in a certain angle which makes it already hard to see whats going on on the phone. And usually the cashier is on your opposite site. Now if I add all this up if this story was real ... I cannot imagine the cashier to be able to read what my card says. Before you even get whats going on the payment is already done. No way he was able to see the exact numbers just dont buy it. Just try it for yourself place yourself in front of a mirror and hold the phone the way you usually hold your phone. No one holds his phone in perfect horizontal line people always hold in in a certain angle... and then activate your Apple Pay for a second and look if you can read in the mirror whats going on on your phone.

 

[docfred]

If the user activates Apple Pay, before he‘s holding the phone against the terminal or the terminal needs some time, you can read this information.

What does not mean, I believe him. But it‘s plausible.

 

[Alanin]

And its possible that the cashier can see the type of payment on his screen. If it’s credit card, girocard etc. He also has to have some information in case of error. So no need to look on the phone/terminals
[doublepost=1530887001][/doublepost]I am still sceptical but the described situation could ne possible

 

[docfred]

And its possible that the cashier can see the type of payment on his screen.

That's definitely the case.

And you're right. The situation would be possible and the scenario is plausible. Which does not mean, it's automatically true.

 

[mosskwa]

And btw: According to the Telefon-Treff guy the tests have been terminated.

Source: https://www.telefon-treff.de/forum/...rsicht-fã¼r-deutschland?p=9733789#post9733789

 

[docfred]

well, that's .... blaaaaaaaah

 

[Alanin]

Just before someone could meet with that guy

 

[4254126]

How convenient I feel like I haven’t made myself clear before: When/If Apple Pay launches in Germany, it won’t be with Sparkasse...

 

[wSchabby]

How convenient I feel like I haven’t made myself clear before: When/If Apple Pay launches in Germany, it won’t be with Sparkasse...

If I were you, I would be careful with those absolute declarations, That might easily go wrong.

 

[tabilo]

I would not be too optimistic regarding an Apple Pay launch before the iPhone keynote. Technology is ready, since it is the simpler implementation compared to GPay, but the same underlying tokenization is used (except iPhones are treated as secure elements). I would be surprised if we see something before Oct/Nov, but I would be equally surprised if we don’t see any AP this year.