Apple Pay, sabis na biyan wayar hannu na kamfanin Cupertino, har yanzu ana samunsa a cikin 'yan kasashe kalilan a duniya. Ayan manyan dalilan da ke bayyana jinkirin faɗaɗa shi shine a cikin tattaunawar don cimma yarjejeniyoyi masu ƙarfi tare da bankunan daban daban. A cikin Spain, ana tsammanin zuwan Apple Pay a ƙarshen 2016, wani abu wanda an riga an cire shi gaba ɗaya kuma ba za mu gani ba, tare da ɗan sa'a, har sai wani lokacin da ba za a iya tsammani ba a farkon kwatancen 2017.
A halin yanzu, kodayake a Ostiraliya Apple Pay yana nan har shekara ɗaya yanzu, Kwamitin Gasar Ciniki da Abokan Ciniki na Australiya ya yi watsi da izini a hukumance wanda zai ba manyan bankunan kasar nan uku damar yin hadin gwiwa don tattaunawa kan fasahar Apple Pay., yanke shawara mai ma'ana tunda zai bar sauran ƙananan ƙungiyoyi a wata matsala mara kyau.
Shawarwarin "da aka daidaita sosai" na Hukumar Gasar Ciniki da Masu Ciniki ta Australiya (ACCC) ta nuna wani juyi na watanni na tattaunawa da tattaunawa tsakanin bankunan "manyan uku" da Apple.
Ra'ayin da ACCC ta bayar ya yi watsi da shawarar da manyan cibiyoyin hada-hadar kudi uku a Australia suka gabatar a watan Yulin da ya gabata, Bankin Commonwealth na Australia, National Australia Bank da Westpac Banking Corp, tare da Bendigo da Adelaide Bank, zuwa hada baki kan yarjejeniyar alakar su da Apple Pay.
A cikin wannan buƙatar akwai wasu fannoni waɗanda ACCC ba ta so kwata-kwata, kuma cewa masu amfani ba za su so komai ba idan sun faru. Babban mahimmancin waɗannan raɗaɗin ya zama kamar shine samun dama ga direban NFC na iPhone, yana barin bankuna su sanya nasu tsarin walat na zamani akan na'urorin iPhone, ma'auni wanda zai nufin babban gasa bisa ga wannan jikin.
Amma a ganina, iƙirarin da waɗannan bankunan suka yi dangane da kwamitocin da kuma wanda zai kula da su ya fi girma. A cikin aikace-aikacen da aka gabatar a watan Yuli, Waɗannan bankunan suna neman izini don yin shawarwari game da yiwuwar janyewa ko sauya ƙuntatawa waɗanda suka hana cibiyoyin kuɗi karkatar da kuɗin cinikin Apple Pay zuwa masu amfani.. Wato, rasa ayyukan kwamitocin kai tsaye ga masu amfani.
Rod Sims, Shugaban Hukumar Gasar Australiya da Kwamitin Masu Sayayya, ya lura cewa "A halin yanzu, ACCC ba ta gamsu da cewa mai yiwuwa fa'idojin da aka gabatar ya nuna ya fi karfin illar da hakan zai haifar ba." Watau, niyyar bankunan na iya yin barna fiye da kyaus Ya ci gaba da cewa: "Duk da cewa ACCC ta yarda da cewa damar da bankuna suka samu na yin ciniki da kauracewa baki daya za ta sanya su a cikin yarjejeniyar da ta fi dacewa da Apple, amma fa'idodin ba su da tabbas a halin yanzu kuma suna iya iyakance."
Tuni bankunan Australiya da abin ya shafa suka yi magana game da wannan shawarar. Kunnawa kalamai ga Apple Insider ya nuna cewa za su ci gaba da aiki tare da ACCC domin shawo kan bambance-bambancen da ke tattare da shi kuma su sami damar baiwa kwastomominsu kwarewa da 'yancin zabi saboda a cewar bankins, idan shawarar ACCC tana aiki, Masu iPhone a Australiya za su sami zaɓi kawai na walat guda ɗaya, Apple Pay, yayin da za a hana masana'antar biyan kuɗi na Australiya damar haɓaka da yin gogayya da Apple.
Idan aikin ƙudurin mai kula da gasa na Australiya ya tsaya, babu yadda za a yi gasa da Apple don biyan kuɗi ta wayar salula a kan iPhone. Buƙatar ba ta taɓa kasancewa game da hana Apple Pay zuwa Australia ba ko rage gasa tsakanin walat. Ya kasance koyaushe game da miƙa zaɓin mabukaci da ƙiraIn ji Lance Blockley, wani kwararre kan harkar biyan kudi da ke wakiltar al’ummar banki.
Koyaya, ACCC, a bayyane take, baya tunani kamar bankuna. A zahiri, ƙungiyar cin amana ta Australiya ta ƙaddara cewa Apple Pay na iya haɓaka gasa a cikin haɓakar sararin biyan kuɗi na dijital: “Apple Wallet da sauran walat ɗin banki na banki na banki na iya wakiltar wata fasahar ɓarna da za ta iya haɓaka gasa tsakanin bankuna ta hanyar sauƙaƙa masu amfani da sauyawa tsakanin katin masu ba da sabis da iyakance duk wani toshewar da bankunan 'walat ɗin dijital na iya haifarwa.'
Apple Pay an ƙaddamar da shi a Australia a watan Nuwamba na ƙarshe ta hanyar iyakance haɗin gwiwa tare da American Express. Babban banki ANZ shine farkon wanda ya fara aiki tare da Apple a watan Afrilu.
Har sai an cimma yarjejeniya kan Apple Pay, Bankunan yanzu zasu iya ba da mafita ta walat ɗin dijital akan iPhone ba tare da samun damar tsarin NFC ba, ta hanyar aikace-aikacen kansu waɗanda aka haɗa tare da Apple Pay. Ana sa ran yanke hukuncin ƙarshe na ACCC ya zo a cikin Maris 2017
