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Comment by barkerja | Hacker News Reader

I'm 100% for choice, and I support the EU's (and any other entity) efforts to change this, but I have a simple question for those here:

When you pull out your device, and raise it to a POS terminal, what is the behavior that you expect and/or desire?

For me personally, the behavior I desire is basically what happens today: the digital Wallet opens, and I choose which card I want to pay with (or do nothing and allow my default card to be used).

If we want to flip this experience on its head, what are our options? A configuration for NFC/payments that controls this behavior?

I'm simply trying to think of the cause and effect here. I am not a designer/UX person, simply just a dumb backend engineer, but I have a strong appreciation for good UX/design and absolutely know it when I see it. Curious to hear other's thoughts/opinions on this.

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Apple gets 0.15% of each purchase. I think this is as simple as: Other companies want that cut for themselves, and so are pushing the EU to allow for rent-seeking on Apple's financial platform.

I understand the /why/, but that wasn't my question. I'm curious what sort of behavior others hope/expect to see from their mobile device if things change towards a fragmented experience of apps being used for NFC payments and not our digital wallets.

Are you suggesting that things basically remain the same, sans any fees?

> Are you suggesting that things basically remain the same, sans any fees?

I'd sure hope so, unless the point for the companies lobbying for this is to kneecap the Apple Pay user experience. My feeling is that the UX itself isn't on trial since partner brands are front and center during Apple Pay transactions.

That seems to run contrary to what others believe here.

> That seems to run contrary to what others believe here.

They could be right, and it wouldn't surprise me if there are companies willing to make everyone's experience poorer if they think it could help them.

A real-life example of this "doesn't play well with others" philosophy is Netflix. Instead of being a good Apple TV citizen, they refuse to integrate with the system TV app, with universal search, etc. Somehow they think being a good ecosystem partner is a risk, but in fact, every inconvenience reminds me to reevaluate whether they're worth it.

I don't understand, what stop you from having a settings that allow you to select which app manage this ?

Same behavior when paying, but allow me to configure which payment processor is being used, so I can pick the one that gives me the best benefits (increases insurance, cash back, miles, whatever).

As a user, isn't that already the case? When I use my AMEX, or Chase cards via Apple Pay, I accrue the same amount of points/cash back as if I were to swipe the card or enter the number directly.

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