I hope so too, but don't believe that's the ultimate intent here.
The problem is that the tech independence is being pushed by government who want more control - not less. (Not speaking specifically of France and this instance, but looking at the anti-encryption rules that the UK and Ireland are pushing)
From that standpoint, I imagine the "solution" here won't be to push an open source alternative, but a closed one that they to control.
I agree that it's not an intent. However hopefully it's going to be open-source, as is the case for most government work in the UK for example. One can dream I guess
100% agree. The level of tracking has gotten to absurd levels.
I needed a couple of grocery items and happened to be next to an Amazon Fresh. Cool, let’s try it! Went in, found everything I needed and went to self checkout. When it was time to pay, the machine wouldn’t accept Apple Pay. I ask an employee who helpfully informs me that I can pay with physical cards or my Amazon account.
I didn’t have my physical cards, nor wanted to do my Amazon account so I had to leave empty handed. Why don’t they accept Apple Pay? Because they can’t track you. If you use a physical card, they can likely link that card number to an Amazon account and thus attribute the purchase to a person. If you pay with contactless payment they get a one time token that they can’t tie to anyone.
IIUC, contactless payment via apple pay does have a secondary card number of sorts that's linked to your original card.
I once accidentally paid for AppleCare with apple pay (a mistake), so when at some point I switched phones I had to get new secondary card numbers tied to my physical cards. The old secondaries went away when I wiped my old phone, so AppleCare was no longer able to draw the monthly payment. The number in the invoice was likewise not the original physical card number, but some other number.
Whether the secondary numbers are easier or impossible to track is certainly a question, but I believe there's always a number.
Walmart is the same. I believe it's very very slightly more expensive to process Apple Pay payments (Apple's getting a tiny fractional amount of the sale), and this was the actual sticking point.
Walmart rolled out their own QR code payment plan just so they didn't have to revshare anything. When you're the size of Walmart, you can get away with those types of decisions even though they are technically very much inferior
Payment services like credit cards demand a significant fee for a (nowadays) technically trivial service: instant cash-free payments. These could be replaced with modern instant bank transfer standards, like FedNow in the US:
These don't require external middle men (like credit card companies) and are therefore almost free. Unfortunately the US is late to the party (in India and some other countries these are already widely used for years), so many banks don't support FedNow yet.
If they were really concerned about interchange fees, they wouldn’t accept American Express cards either. The difference between the interchange fees of Visa vs Amex is much greater than tap to pay versus non tap to pay.
There is a reason that there are a lot more places that don’t accept Amex than don’t accept tap to pay. You see this a lot internationally.
Just this year alone, every mom and pop place I went to in Costa Rica, Canada, UK and France accepted Apple Pay but only merchants in the UK widely accepted Amex.
Costco used to take exclusively Amex. So it is possible.
In any case, it’s not only the transaction cost but also the availability of an alternative. Forcing a different credit card network is different friction than forcing swipe vs tap. (Or using the Walmart app.)
Do you have any evidence that Walmart negotiated a special deal with Amex to the lower their fees to match Visa and MC?
There are plenty of companies that don’t accept Amex and every Amex user knows that they need to carry a none Amex card with them. Either that or they have never left the country which is doubtful for the Amex demographic.
And I have no idea why this is even an argument on a post about companies wanting you to use their app
No, they don't. Apple isn't involved with the transaction processing at all, the phone just acts as an EMV device to transmit the payment details to the terminal.
Looks like Microsoft is taking a page out of the cable companies' playbook. Next up, there will be "discounted" Copilot 365 or whatever: a 2 year contract with the "promotional price" locked in and a penalty fee for cancelling early.
Please Google let me have a normal TOTP authentication. No SMS, no "open the gmail app on this other device and tap this prompt", no mandatory Google Authenticator, etc.
You can add normal TOTP and delete Google Authenticator. You can also delete SMS. What you cannot do (I think) is remove Google Prompt if you are logged into your Google account on a phone.
There's still a "wow factor" associated with this.
I live in a city that doesn't have Waymo. I recently had a work trip to a city that does. Waymo was 25% more expensive than Uber (~15 vs ~20).
I still took Waymo because I don't get to experience it often, so it's fun to be in a driverless car. If I had constant access to Waymo, I would have probably chosen the cheapest option.
I had issues with wired CarPlay in multiple cars (and consistently on my Crosstrek)
Turned out to be a loose lightning port on my iPhone. A 15 minute visit to my local Apple Store fixed the problem.
Hey Peter. Is there any way to confirm whether a request to USCIS to bump a case from F2A to IR was recevied or acknowledged?
We haven’t received any 797-C or any other confirmation.
Thanks!
The problem is that the tech independence is being pushed by government who want more control - not less. (Not speaking specifically of France and this instance, but looking at the anti-encryption rules that the UK and Ireland are pushing)
From that standpoint, I imagine the "solution" here won't be to push an open source alternative, but a closed one that they to control.