I-Apple Pay, inkonzo yentlawulo yeselula yenkampani yaseCupertino, isafumaneka kumazwe ambalwa kakhulu emhlabeni. Esinye sezizathu eziphambili ezichaza ukucotha kokwandiswa kwayo kufumaneka kwiingxoxo zokufikelela kwizivumelwano eziqinileyo kunye namaqumrhu ahlukeneyo ebhanki. ESpain, ukufika kwe-Apple Pay kwakulindeleke ekupheleni kwe-2016, into esele ikhutshwe ngokupheleleyo kwaye asiyi kuyibona, ngenhlanhla, kude kube lixesha elingalindelekanga kwikota yokuqala ye-2017.
Okwangoku, nangona i-Apple Pay sele ikhona e-Australia unyaka ngoku, IKhomishini yase-Australia yoKhuphiswano kunye neKhomishini yaBathengi isikhabile ngokusemthethweni isigunyaziso esiya kuvumela amaqumrhu amathathu ebhanki elizwe ukuba adibane athethathethane ngokufikelela kubuchwephesha be-Apple Pay., isigqibo esisengqiqweni kuba siya kushiya amanye amaqumrhu amancinane emngciphekweni ocacileyo.
Isigqibo "esilungelelanisiweyo" soKhuphiswano lwase-Australia kunye neKhomishini yaBathengi (ACCC) simele ukuguquka kwiinyanga zengxoxo kunye nothetha-thethwano phakathi kweebhanki zelizwe "ezinkulu ezintathu" kunye ne-Apple.
Uluvo olukhutshwe yi-ACCC luyasikhaba isindululo esinikezelwe ngoJulayi odlulileyo ngamaziko emali amathathu amakhulu ase-Australia, i-Commonwealth Bank yase-Australia, iBhanki yeSizwe yase-Australia kunye ne-Westpac Banking Corp, kunye neBendigo kunye ne-Adelaide Bank, ukuba ngokudibeneyo uthethathethwano ngemigaqo yobudlelwane phakathi kwabo kunye ne-Apple Pay.
Kwesi sicelo bekukho imiba ethile i-ACCC ebonakala ingayithandanga kwaphela, kwaye abasebenzisi bebengayi kuyithanda kwaphela ukuba iyenzeka. Eyona nto iphambili yale miqobo ibonakala i ukufikelela kwisilawuli se-NFC se-iPhone, esiza kuvumela iibhanki ukuba zibeke iinkqubo zabo zesipaji sedijithali kwizixhobo ze-iPhone, umlinganiselo oya kuthetha ukhuphiswano oluphezulu ngokwalo mbutho.
Kodwa ngokoluvo lwam, amabango ezi bhanki ayenayo ngokunxulumene neekomishini kwaye ngubani oza kuba noxanduva kubo abaluleke kakhulu. Kwisicelo esingeniswe ngoJulayi, Ezi bhanki bezifuna imvume yokuthetha-thethana malunga nokurhoxiswa okanye ukuguqulwa kwezithintelo ezithintela amaziko emali ukuba agqithise umrhumo we-Apple Pay kubathengi.. Oko kukuthi, ukulahlekelwa iikomishini ezisetyenziswa ngokuthe ngqo kubasebenzisi.
U-Rod Sims, usihlalo weKomishoni yase-Australia yoKhuphiswano kunye naBathengi, wathi: "Okwangoku, i-ACCC ayanelisekanga ukuba iinzuzo ezinokuthi zibe nokuziphatha okucetywayo zigqithise ingozi enokwenzeka." Ngamanye amazwi, Iinjongo zeebhanki zinokubangela ingozi enkulu kunokulungas. Iqhube yathi: "Ngelixa i-ACCC yamkela ukuba ithuba leebhanki zokuthethathethana kunye nokukwaya ngokudibeneyo kuya kubabeka kwindawo engcono yothethathethwano ne-Apple, izibonelelo aziqinisekanga ngoku kwaye zinokulinganiselwa."
Amaqumrhu ebhanki ase-Australia achaphazelekayo sele enike izimvo ngesi sigqibo. Kwi iingxelo ku-Apple Insider bachaza ukuba baya kuqhubeka besebenza kunye ne-ACCC ukuze banqobe iiyantlukwano eziphakanyiswe yiyo kwaye bakwazi ukunika abathengi babo ukhuphiswano kunye nenkululeko yokuzikhethela ngenxa yokuba. ngokweebhankis, ukuba isindululo seACCC siyasebenza, Abanini be-iPhone e-Australia baya kuba nenketho enye ye-wallet yeselula, i-Apple Pay, ngelixa i-Australian intlawulo yentlawulo iya kwalelwa ithuba lokuyila kunye nokukhuphisana ne-Apple..
Ukuba idrafti yokuzimisela yomlawuli wokhuphiswano lwase-Australia imile, akuyi kubakho khuphiswano oluchasene ne-Apple yeentlawulo zeselula kwi-iPhone. Isicelo asizange sibe malunga nokuthintela i-Apple Pay ukuba ifike e-Australia okanye ukunciphisa ukhuphiswano phakathi kwezikhwama. Ibisoloko imalunga nokubonelela ngokhetho lwabathengi kunye nokutshautshilo uLance Blockley, ingcali yeentlawulo emele uluntu lweebhanki.
Nangona kunjalo, i-ACCC, icacile, ayicingi ngokufanayo neebhanki. Ngapha koko, i-Australian antitrust body inqume ukuba i-Apple Pay inokukhuthaza ukhuphiswano kwindawo ekhulayo yentlawulo yedijithali: "I-Apple Wallet kunye nezinye ii-wallet zedijithali ezingekho zebhanki zinokubonisa itekhnoloji ephazamisayo enokunyusa ukhuphiswano phakathi kweebhanki ngokwenza kube lula kubathengi. tshintsha phakathi kwabanikezeli bamakhadi kwaye unciphise naziphi na izithintelo ezinokubangelwa zizipaji zedijithali zebhanki.
I-Apple Pay yaphehlelelwa e-Australia ngoNovemba ophelileyo ngentsebenziswano elinganiselweyo ne-American Express. Ibhanki enkulu i-ANZ yaba ngowokuqala ukusebenzisana ne-Apple ngo-Epreli.
Kude kufikelelwe kwisivumelwano soxolo kwi-Apple Pay, Iibhanki ngoku zinokubonelela ngezisombululo zesipaji sedijithali kwi-iPhone ngaphandle kokufikelela kwimodyuli ye-NFC, ngezicelo zabo ezidityaniswe neApple Pay.. Isigqibo sokugqibela se-ACCC silindeleke ngoMatshi wama-2017.
