Apple Pay Apple Pay in Germany

[4254126]

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

All I can state is information from someone who should know and their response is an absolute denial and that there is no interest - ever - to reach a deal if there is a cut of the transaction and/or no access to the NFC chip. Those seem to be the lines that SPK will not cross. But those are also ones that Apple will never (at least in the foreseeable future) cross. The truth is, that those who really are in the know and could put our minds at rest won't say anything very clearly and publicly. Yet from all the information that is out there, if/when Apple Pay does come, SPK won't be part of it anytime soon.

These people in the other forums are riding the bandwagon, trying to get their 5 minutes of fame. We've had some suspects over here as well. There are no indications that Sparkasse is doing anything and up until now they have denied any interest in it. Their public stance has also been very, very sceptical in recent months.

If anyone want's to keep their hopes up, go ahead

I am hopeful on the other hand that Apple Pay is incoming this year. There are the usual journalists to follow on Twitter and some have some very promising background knowledge (which they can't yet fully share).

 

[wSchabby]

All I can state is information from someone who should know and their response is an absolute denial and that there is no interest - ever - to reach a deal if there is a cut of the transaction and/or no access to the NFC chip. Those seem to be the lines that SPK will not cross. But those are also ones that Apple will never (at least in the foreseeable future) cross. The truth is, that those who really are in the know and could put our minds at rest won't say anything very clearly and publicly. Yet from all the information that is out there, if/when Apple Pay does come, SPK won't be part of it anytime soon.

These people in the other forums are riding the bandwagon, trying to get their 5 minutes of fame. We've had some suspects over here as well. There are no indications that Sparkasse is doing anything and up until now they have denied any interest in it. Their public stance has also been very, very sceptical in recent months.

If anyone want's to keep their hopes up, go ahead

I am hopeful on the other hand that Apple Pay is incoming this year. There are the usual journalists to follow on Twitter and some have some very promising background knowledge (which they can't yet fully share).

I don't know who this guy is, who said that to you. And honestly this information that you share with us from this guy is not more or less trustworthy than any other information we hear from the internet. It surprises me, that this guy also makes such "absolute declarations" about this topic. He must to be in a pretty high position, in order to claim that this will absolutely never ever happen.

On the other side, we had the information from Alanin a few weeks ago, who claims the exact opposite. And - of course - the information from the forum:
If you are talking about these comments on iPhone-ticker.de, yes you may be right with the 5 minutes of fame thing. But does somebody who has an account at a forum already since multiple years (I think SynTom's for example is from 2003) just "burns" it from one day to the other, just to get some fame? I don't know.

To be honest, until now we had no indications from any bank at all, that they will launch with Apple Pay. These were also just speculations (from us). And that Sparkasse has denied any interest, like I said, I can't verify this.

All we have is the typical social media "blala" from the banks, we have @holimuk, and we have @Der_Bank_Blog (who btw. was wrong with his Q2 2018 prediction). @holimuk was already wrong last year with his "Wette", so why should he be right this time?

Who else do you know?

To come to the end: I don't know if Apple Pay will come this year and I also don't know if they will come with Sparkasse. It just wonders me, that so many people are talking about Sparkasse and the girocard integration already for weeks and month over and over again, so that I ask me if there is any truth to these rumors?

 

[docfred]

It‘s the same circle over and over again. At the end we know nothing.

Feelings, nothing more, are that AP will start in Q3/Q4. What partners ... just no one knows. Not who would be partner, not who will not be partner.

What makes me wonder: if there are rumors, they are about one specific financial institute all the time. No rumors about DB, CB, Ing-Diba or or or... why always the red boys?

 

[Alanin]

It‘s the same circle over and over again. At the end we know nothing.

Feelings, nothing more, are that AP will start in Q3/Q4. What partners ... just no one knows. Not who would be partner, not who will not be partner.

What makes me wonder: if there are rumors, they are about one specific financial institute all the time. No rumors about DB, CB, Ing-Diba or or or... why always the red boys?

I think this is easy to answer. They are huge and they have a lot of ppl who would have to be in knowledge about something like that. And the more ppl u have to make their mouths shut the harder it is.

When thinking bout ing diba or other centralised organisations you have a much smaller group of ppl who has to know.

At Sparkasse the IT guys or the not just implement a new payment method and once it’s done they pop up at the local organisations and say “hey, we made this and that doing contracts with Apple and a few others. Not take it and sell it”

There is an earlier point at Sparkasse group than at ing diba from when a wider group of ppl get in touch with a topic like that.

Just my two cents.

BTW: i have asked my friend at local Sparkasse about something be. He’s on vacation atm. Gave me the phone number of the women being in responsibility of that topics. But don’t think I will get new information when asking her. But gonna try on Tuesday.

 

[docfred]

I also asked in the right department here in the city. Answer was: „we don’t know exactly when it will be started“. Do I know more now? Not really. This also can mean everything or nothing at all, just how you like it personally.

And you can not say, if this is the word choice of the person that answered your question, if it is backed by real processes in the backend or just a helpless answer to get rid of the next customer who is asking this question

 

[Alanin]

I also asked in the right department here in the city. Answer was: „we don’t know exactly when it will be started“. Do I know more now? Not really. This also can mean everything or nothing at all, just how you like it personally.

And you can not say, if this is the word choice of the person that answered your question, if it is backed by real processes in the backend or just a helpless answer to get rid of the next customer who is asking this question

That’s the reason I don’t expect something new when asking her on Tuesday.

I expect more accurate information when I ask my friend being at a higher position in that local bank. There is a difference when he askes that women and when a customer askes...

 

[Mr-Fly]

https://www.giga.de/extra/sicherheit/news/mobiles-bezahlen-5-fragen-zum-bezahlen-mit-dem-handy/

 

[Alanin]

So VR is using digital Girocard payment aswell...

 

[docfred]

Most intersting fact of the last days:
You don’t have to open the S- or VR-App to pay. So no real difference to GPay.

Only PIN-entre, but they are working on CDCVM.

 

[Alanin]

Jep that’s good. At least bad usability won’t be a reason ppl will not use it

 

[docfred]

Don’t think that Otto Normal will bother about it but some „we want Google Pay because it’s from America“-freaks.

Most people will be happy with a solution by the bank they trust, that also works worldwide.

 

[Alanin]

And is easy and fast to use. When it’s too complicated ppl won’t use it

 

[Tobsen]

Most intersting fact of the last days:
You don’t have to open the S- or VR-App to pay. So no real difference to GPay.

Only PIN-entre, but they are working on CDCVM.

If I heard it right, then you have set a default payment app on Android, so if you have multiple bank accounts, you have to set the app before your payment.

 

[docfred]

If I heard it right, then you have set a default payment app on Android, so if you have multiple bank accounts, you have to set the app before your payment.

Might be. But in everyday life of most people, there is one Bank/Card to pay most of their purchases. So no big deal for John Doe I think.

And it’s a not so big difference to Google Pay or Apple Pay. You set your default card for instant payment and have to choose manually if you want to use another. If You want to use a card that is not supported by GPay you also have to enter another app.

Will be okay for most people...

 

[Mr-Fly]

Don't know if that is a problem for most of them.
Although having a credit card from a different issuer could already be a problem.
Eg. Account at Sparkasse and Credit Card from Miles and more or whatever.

 

[4254126]

And it’s a not so big difference to Google Pay or Apple Pay.

There is a big difference. I don't see the advantage with having this "Girocard digital" from the Sparkasse or Volksbanken. PIN requirement with purchases over 25€ (no CDCVM), no wearables support, no support for internet purchasing... It's the WORST option available.

With Google / Apple Pay you get more than just a card on your smartphone (with biometric authentication), but lots of other goodies which make it a valuable addition (including - at least theoretically - integrated P2P transfers). I've used Apple Pay to checkout in apps or on websites several times and it just blows my mind. Easy and simple. And it's on my Apple Watch

 

[docfred]

Ask 100 customers and 95 will tell you, that they want to pay „auf Rechnung“ oder „Bankeinzug“ oder „PayPal“ (Käuferschutz). That‘s the truth.

And cdcvm is in development as they said.

Think of the common John Doe what he wants and what he cares about. For him there is no big difference. Don’t think of people like us. Even in the US Apple Pay or Google Pay is just marginalia. (And is often not supported as NFC terminals seem less common than in Europe)

Or do you see any wearables beside Apple Watches in noteworthy numbers? I don’t

 

[MrJvG]

Why Apple Pay has not yet been launched in Germany
https://www.golem.de/news/bargeldloses-zahlen-warum-apple-pay-sich-noch-nicht-auszahlt-1806-135171.html

 

[Focalor]

Why Apple Pay has not yet been launched in Germany
https://www.golem.de/news/bargeldloses-zahlen-warum-apple-pay-sich-noch-nicht-auszahlt-1806-135171.html

Well its obvious now Apple wants wo have all the major banks involved, they want to be THE mobile payment dealbreaker in Germany, sunny was right with this. Otherwise they could have launched AP years ago with smaller banks.

And According to "Germany=difficult market", yes, it may be true that a lot of Germans are sceptical with digital payment methods in general (though PayPal is quite successful here). BUT on the other hand: has there already been a convincing solution for mobile payment here? I don't think so. All these "solutions" mentioned in the article were just very bad tries.

So I think it is crucial for the launch/no launch of AP this year if Sparkasse/VR Bank now finally say yes to AP.

 

[KarstenS]

Why Apple Pay has not yet been launched in Germany
https://www.golem.de/news/bargeldloses-zahlen-warum-apple-pay-sich-noch-nicht-auszahlt-1806-135171.html

Well its obvious now Apple wants wo have all the major banks involved, they want to be THE mobile payment dealbreaker in Germany, sunny was right with this. Otherwise they could have launched AP years ago with smaller banks.
.

This article is on the same level, as everybodys discussion about a football game after it is done.

Many speculations. No facts.

 

[Mr-Fly]

When I see, how cashiers react on my payment with the Apple Watch, they all like it, as it is so nicely integrated.
All other mobile payments before have been crap and afaik could not been used everywhere.
Apple Pay now serves me really good at all shops that have NFC and Credit.
I bet when it is coming more and more will try it.
If it comes with giro, I think it will be even more, especially younger generations.

 

[docfred]

Here some real world numbers from the US:
https://www.pymnts.com/mobile-wallet-adoption-statistics/

 

[Mr-Fly]

US is not a good comparison, as in my eyes they are way behind in rolling out NFC.
There are a lot of stores where I could not even pay wireless at all and they swipe magnetic (maybe one reason, why Samsung developed their technique).

 

[docfred]

US is not a good comparison, as in my eyes they are way behind in rolling out NFC.
There are a lot of stores where I could not even pay wireless at all and they swipe magnetic (maybe one reason, why Samsung developed their technique).

I know. But the US is often quoted as "much more progressive" in these technologies.

Everybody seem to think, mobile payment is highly adopted in the US. which is not the case. and the market penetration of nfc capable terminals seem to be much lower than in Europe.

 

[nordmaler]

N26 "More to come later this year" ....what can it be ?

https://twitter.com/valentinstalf/status/1016632691314196482