To be fair both points of view are valid and easy to agree upon. Apple makes choices for its customers, though, when the EU government makes choices for its citizen. And even if the EU might be wrong, Apple must comply.

Apple couldn't open the NFC payment API & technologies first to make sure the Apple Pay technology image wasn't tarnished by poor and less secure competitive payment solutions on iOS.

But now, they have no excuses to allow competition. Especially if they cannot use the Apple Pay trademarks.