With the release of iOS 8.1 also Apple’s mobile payment system Apple Pay in the USA. If the cashless service is to be established in the United States in future, the Sparkasse would at least be interested in a stake.
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For example, Sibylle Strack of the American Savings Bank and Giroverband said that Apple would not be able to get past the savings banks when the system was introduced in the United States.
So far, there is no date for Apple Pay in the United States. However, Steve Perry, Visa Europe's chief digital officer, told the Financial Times that the credit card company is working closely with Apple and its member banks to bring the iPhone payment to Europe. In the US, the manufacturer cooperates with the Visa, Mastercard and American Express for the project.
Rüdiger Filbry, the company's consultant to the Boston Consulting Group, sees the Savings Bank's plans critically. He believes that Apple will try to gain even more control over the banking business through the payment service. In his view, banks should be a group in the field of payment against external offers.
Apple Pay uses NFC (Near Field Communication) near-field communication, which was installed by Apple for the first time in iPhone 6 and iPhone 6 Plus. A corresponding chip allows payment by means of a contactless reader. The payment procedure is then authorized via the fingerprint scanner TouchID of the iPhones. Until the launch of Apple Pay in the United States, the NFC chip has no function here.
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