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Karma_isA_8itch

macrumors 6502
Jan 31, 2018
308
305
Plus, I suspect his source is Commerzbank/comdirect.

Then I dont see a reason why they wouldnt be ready to launch Apple Pay. They launched Google Pay just fine and its not like there is a huge difference in the process of implementing either of those two systems. I dont think he is talking about them.
 

docfred

macrumors 6502a
Feb 4, 2018
938
573
Germany
Wirecard with boon is simply not enough of a big player to know the details of the start that long before it is actually gonna happen.
Well, Wirecard is rumored to replace CommerzBank in the DAX.... it's share value is about 19bn Dollar, they are sourcing partner of American Express, Discover, JCB a.m.m. - and some fintech startups like N26 used the banking licence of Wirecard for their business.

I would say, Wirecard is damn good connected on the european market and if somebody "knows" about a start of Apple Pay in one country, then service providers in the background like Wirecard ;)

boon. is just a simple, small by-product for private customers. their big main business is being the network in the background.
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Then I dont see a reason why they wouldnt be ready to launch Apple Pay. They launched Google Pay just fine and its not like there is a huge difference in the process of implementing either of those two systems. I dont think he is talking about them.
I would agree on that, if CommerzBank was the only launch partner. But I doubt it. If Apple wanted to launch with just one of the "bigger" banks (and CommerzBank is not thaaat big, just an old name with some glitter of glory days) and a handful of small fintechs like N26 or boon., they could have done it two years ago.

my bet: if Apple Pay launches, then not only with CommerzBank and the usual suspects. there have to be either more of the big private names (not only CommerzBank but Deutsche Bank, Postbank and so on, too) or at least one of the big battleships on the German Market.
 

Mr-Fly

macrumors 6502
Jan 30, 2018
396
230
Frankfurt, Germany
For Wirecard, I would also not underestimate them. What they do is really good EUROPEAN Business instead of local.
Look at a lot of other banks, they dont even act business in europe at all. For Germany the size might not be that big, but for europe, they are a good partner for apple.
 
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4254126

Cancelled
Original poster
Jun 20, 2017
828
855
Wirecard has been tipped to be the partner for Apple in a potential Apple Pay Cash expansion before. They would be a perfect fit... let’s hope something happens on that front soon!
 
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docfred

macrumors 6502a
Feb 4, 2018
938
573
Germany
Hm. As I'm thinking... it really would make no sense to announce a launch in Germany on the keynote, if they don't have big news. Keynote is for biiiiig words and presentations.

A launch with one bank and some fintechs would not be that kind of message for the big stage and the world wide live audience. If there would be a presentation for Apple Pay for at least Germany, there has to be some punch line. everything else would be targeted at the regular earnings call in some side sentence.
 

Nishko

macrumors regular
Nov 7, 2017
129
161
If there would be a presentation for Apple Pay for at least Germany, there has to be some punch line. everything else would be targeted at the regular earnings call in some side sentence.

They could announce Apple Pay Cash for Europe ('[...] and we are very happy to be coming to Germany and Austria as well.'). APC would be a big thing IMHO, as they are building their own P2P Payment platform and are said to offer an own Apple branded credit card in 2019.
 

docfred

macrumors 6502a
Feb 4, 2018
938
573
Germany
They could announce Apple Pay Cash for Europe ('[...] and we are very happy to be coming to Germany and Austria as well.'). APC would be a big thing IMHO, as they are building their own P2P Payment platform and are said to offer an own Apple branded credit card in 2019.
Hm. right. APC would be something.

but they even did not expand to Canada or any other existing market: "Person to person payments and Apple Pay Cash are available only in the U.S.". It's a service by a single US bank. Would have thought, that they expand Apple Pay Cash in existing markets step by step. with first move to canada.
 

jokant

macrumors newbie
Jul 18, 2018
16
25
I have a rather stupid question. However, I am sure you can help me out.
Assuming Apple is indeed announcing Apple Pay for Germany in two weeks, does it also mean we will know which banks are going to support it?
I remember the Brazil website for Apple Pay going online shortly after the announcement indicating only one bank will support Apple Pay from the beginning.
However, I also remember the announcement for Poland in the latest earnings call. When AP actually started in Poland there were news that eight banks support it from the beginning which was regarded as a solid start. So did consumers in Poland have to wait that long to learn whether their bank will offer AP or were there any prior announcements by banks or leaks?
So basically I am asking you: If Apple finally announces its service in two weeks for Germany or anytime later, will we for sure know which banks will support it soon after its announcement or is possible we will continue speculate about the partner banks and if Sparkasse, Volksbanken, Deutsche Bank, (fill in your desired bank) will support it until its actual start?
 

4254126

Cancelled
Original poster
Jun 20, 2017
828
855
I have a rather stupid question. However, I am sure you can help me out.
Assuming Apple is indeed announcing Apple Pay for Germany in two weeks, does it also mean we will know which banks are going to support it?
I remember the Brazil website for Apple Pay going online shortly after the announcement indicating only one bank will support Apple Pay from the beginning.
However, I also remember the announcement for Poland in the latest earnings call. When AP actually started in Poland there were news that eight banks support it from the beginning which was regarded as a solid start. So did consumers in Poland have to wait that long to learn whether their bank will offer AP or were there any prior announcements by banks or leaks?
So basically I am asking you: If Apple finally announces its service in two weeks for Germany or anytime later, will we for sure know which banks will support it soon after its announcement or is possible we will continue speculate about the partner banks and if Sparkasse, Volksbanken, Deutsche Bank, (fill in your desired bank) will support it until its actual start?
Short answer. We don't know. Could be any scenario, there is no "template" for an Apple Pay launch in a new country.

I would suspect (if you want to be there from the beginning) to use boon. or N26. Commerzbank and Comdirect might be a good bet as well.
 
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docfred

macrumors 6502a
Feb 4, 2018
938
573
Germany
So basically I am asking you: If Apple finally announces its service in two weeks for Germany or anytime later, will we for sure know which banks will support it soon after its announcement or is possible we will continue speculate about the partner banks and if Sparkasse, Volksbanken, Deutsche Bank, (fill in your desired bank) will support it until its actual start?
Two options:
a) announcement at an earnings call, then you have to wait until the launch to know, what banks are involved
b) announcement at the keynote, then there are chances that they show a slide with some logos and names
 

4254126

Cancelled
Original poster
Jun 20, 2017
828
855
a) announcement at an earnings call, then you have to wait until the launch to know, what banks are involved
Not necessarily. As far as I know Italy and/or Ireland were announced (or not) and the respective Apple Pay page on Apple.com showed banks that would be supported from the start. As I said above: No template, we just don't know.
 

docfred

macrumors 6502a
Feb 4, 2018
938
573
Germany
Not necessarily. As far as I know Italy and/or Ireland were announced (or not) and the respective Apple Pay page on Apple.com showed banks that would be supported from the start. As I said above: No template, we just don't know.
Oh ok. Did not reimender that. The last announces where like „comes to...“ and within a few weeks on day X the local site appeared.

Thrilling :D
 

docfred

macrumors 6502a
Feb 4, 2018
938
573
Germany
C66BC08B-4D4B-4701-A381-2FC74AD71E6C.jpeg


:cool:
 

Tymen

macrumors member
Nov 20, 2016
54
23
Tonight is another bunq update. Maybe with some news about expanding to new countries and some Apple Pay news? I don't think we will get news about Apple Pay for countries who don't support it already.
 

renssies

macrumors newbie
Apr 6, 2018
29
16
The Dutch iCulture found something interesting. During WWDC Apple announced some resources/buttons for Apple Pay. The demo page for generating code for a button contains a language selection. In that language selection, Dutch (NL) is listed, but German isn't. Polish also isn't mentioned for some reason: https://applepaydemo.apple.com/#display-button
Edit: It also looks like the NL option has been available since the launch of the page during WWDC.
 

JoshuaLuckers

macrumors newbie
Mar 6, 2018
9
11
I don't think it means anything. The button text is generated by the operating system.
Changing the "lang" attribute to "de" generates a German Apple Pay button.
 

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docfred

macrumors 6502a
Feb 4, 2018
938
573
Germany
To much interpretation. AP is available in Switzerland in German language. So, if you would like to draw conclusions out of this list... there would be missing some languages.
 

renssies

macrumors newbie
Apr 6, 2018
29
16
Yeah, that's exactly why I find it weird, Polish is missing and German is missing. But Dutch is there, while Apple Pay hasn't launched in any Dutch speaking country yet. I'm not drawing any conclusions from it, it's just weird.
 

oohh

macrumors newbie
Feb 1, 2018
20
15
I don't think it means anything. The button text is generated by the operating system.
Changing the "lang" attribute to "de" generates a German Apple Pay button.
How is it retrieved from your browser? I mean, I live in The Netherlands, why would Saudi Arabian be available while German is not?

Tonight bunq is organizing an update, where they probably will announce new features. The last time they held this event, they announced Apple Pay for Italy and Spain. At the same event, they also said it was possible to activate Apple Pay with cards issued outside of those countries. This was later edited out of the event registration.

I dont think they will announce something similar. However, I'm still hoping for it, haha. I will be there, so I'll post here when they announce anything related to Apple Pay.
 
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