• sennmood@lemmy.world
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    1 year ago

    As blatantly anti-competitive as it may be, I don’t want to be in a position where, if I want to pay for something with my phone, I’m forced to use whatever shitty application my bank decides to implement (I’ve had banking applications just decide to stop working for a few days, for no apparent reason; there are banks that have countless applications, each doing something slightly different, with complex, oftentimes downright hostile authentication methods, involving combinations of these apps)

    I like the fact that, regardless of card I use, they’re all exposed through the same simple Wallet application, that always works.

    • JasSmith@kbin.social
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      1 year ago

      The big difference in such a situation is that you have the freedom to choose a different bank if their payment app is bad. You do not currently have the freedom to choose a different payment app on your iPhone. This is the fundamental issue the EU and US are addressing.

      • AA5B@lemmy.world
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        1 year ago

        I have the freedom to use a different phone at any time. I chose Apple because of a better user experience, better security and privacy

    • pycorax@lemmy.world
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      1 year ago

      For NFC, no one really does that even on Android even though NFC is available for use. Instead, in some countries they use QR-code payments to bypass the NFC limitations that Apple imposed.

      • sennmood@lemmy.world
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        1 year ago

        I’ve seen that done in Germany, and I was kind of shocked. You could only pay using NFC from the banks’ app.

        • pycorax@lemmy.world
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          1 year ago

          Man that’s pretty stupid. I’m guessing they don’t use Visa/Mastercard and instead use a proprietary protocol?