Please Apple, make this happen.
It’s a surprisingly hard thing to search for online…
Do you mean SMS codes or a Chase Bank App?
I have to deal with the former because I auto-delete cookies when I close tabs and use Multi-account containers on Firefox.
I've never been required to install any application (Chase branded or otherwise) on my phone in order to use the Chase website. I'll note that I've been a Chase customer since they acquired Chemical Bank in 1996.
Am I missing something important here? If so, I'd love to hear about it.
I quite like it though. At one of my banks I don't even use a password. My browser has the right material (from a prior authn) and then it pushes a validation request to my phone and with FaceID I'm in.
That’s exactly what I don’t want though. I don’t want to be tied to a bank app that requires a non-rooted device/whatever other checks it does.
My local credit union (TechCU) does none of that nonsense, and I highly recommend a credit union over any of the big banks in any case.
But the upside is: they work offline, and makes your 2FA app unhackable because it's not an app and instead a physically separate device.
If you're as serious about your opsec as I am, I heavily recommend to not use apps on smartphones for banking.
The all new modern push notifications! Pay only 99ct per 2FA message, that's a steal deal!
Popular apps have been exempt from these rules since the beginning of time - not that I agree with this.
would it be weird/embarrassing for Apple?
That’s what “popular” means, in this context.
That’s how they make their decisions.
But Patreon does have a web version but I am not sure how many people prefer web sites in Apple ecosystem especially on Ios so I do find the whole thing to be a bit weird because this ~30% cut essentially seems to rip off of creators in some sense.
Epic Games went to federal court over this with Apple like 40 fuckin times - a related fun read for you.
Personally I think Apple should have two pricing tiers: one for interactive entertainment, and one for everything else. For interactive entertainment, a flat 30% on everything. For everything else, Apple lowers their margin to cover transaction costs only (in the realm of 5-10%).
1. Where the hell is the notion of "using the platform for free" even coming from (it's coming from Apple of course). I didn't know that iPhones are free, or that dev fees are waived for everyone.
2. Why the hell can't I use a different payment processor tham Apple and tell people about it? Then I'm neither using Apple's platform "for free" nor paying Apple's transaction fees.
For all other apps, I agree that alternative payment processing should be permitted for one-off transactions. And I can agree for subscriptions as well, provided the developer can meet a high standard for simple, frictionless cancellations.
Why? iPhones are not gaming consoles.
iOS is not a liquor store, and allowing people to use other payment processors or even other stores on the platform is not selling liquor to minors.
Note how your analogies immediately fall apart for other platforms like, for example, Apple's own MacOS.
You may not think of the iPhone as a walled-garden gaming handheld with smartphone features, but that's basically what it is from a business perspective, and games are in fact the majority of apps on the system.
Epic (a game company) sued Apple to get it to charge lower platform fees than other game stores.
Is it a "platform" the way a console is or is it a public marketplace? I'd think the distinction comes down to size relative to the rest of the market. If I run a private club that caters to a only a few people I'm not impacting anyone else. Whereas if I run a giant chain of so called "private clubs" that in reality 50% of the town purchases their groceries from then perhaps some scrutiny by the regulator is in order.
To answer your question directly: I contend that when it comes to operating a marketplace for interactive entertainment, an iPhone is no different from a Nintendo Switch, and if you want to impose rules, they must be imposed equally. For all other apps, I think Epic made some valid points.
I take two issues with your response.
First and foremost, the point I raised was specifically about the size of an operation relative to the overall market. You haven't addressed that. You say you see no difference but don't explain why. It seems obvious to me that larger players will require different regulations than smaller players due to having different effects on the market.
Second, Apple doesn't operate a marketplace for games. They operate a general purpose market that includes apps for anything and everything. Compare a 1000 sq ft mom and pop game shop to a 400k sq ft big box retailer that sells groceries, liquor, clothing, home goods, yard tools, just about everything except for literal building materials. It wouldn't be reasonable to treat them the same way.
I agree with this in principle, but I don't think that principle applies here. Apple is not a uniquely large vendor of games. There are multiple ecosystems operating at similar orders of magnitude in games sales, at around $10B or more. Against that backdrop, portraying the App Store as some singular 400-pound gorilla with respect to games is not accurate.
> Second, Apple doesn't operate a marketplace for games. They operate a general purpose market
That distinction cuts the other way. A general-purpose market does not escape product-specific regulation; it applies it selectively. A store that sells liquor must comply with liquor laws when selling liquor, but selling liquor does not prohibit it from selling candy to children. It is normal and reasonable to attach rules to the product being sold, not to the fact that the venue also sells other things.
Perhaps if Apple were willing to exclude games from the App Store and move them to a newly created Game Store, it would be easier to imagine how they could be made subject to different rules. But I don't think that should be necessary for the government to impose different rules on different product categories.
To be clear, another acceptable outcome IMO is for the Epic Games argument to prevail with respect to all major gaming platforms. If they believe Apple deserves 0% of Fortnite revenues on iOS, then Sony deserves 0% of Fortnite revenues on Playstation.
I did not suggest that Apple could escape laws that apply to a given product category. Quite the opposite - that I think it is reasonable for a behemoth to be subject to _additional_ regulations that cut across _all_ product categories. That was the point of my analogy. In physical retail big box stores are subject to additional regulations that mom and pop shops are not. The fact that Walmart happens to sell games and happens not to be the largest retailer of those is not going to get them out of being treated as the giant that they are.
I don't think it matters that in any given product category Apple isn't the largest. The issue is that they are one half of what is effectively a mobile app store duopoly in most of the western world. That fact carries serious implications for developers and consumers alike. Developers in particular, regardless of product category, are effectively forced to do business with Apple. On that basis I believe that either the app stores of both Apple and Google should be subject to _extremely_ stringent regulations or alternatively that the platforms should be forcibly opened up by law (ie no more locked down devices).
Given that the service operator gates access to the customers and that most customers are unlikely to switch just to do business with a particular vendor, then shouldn't policy be determined solely by the size of the service operator? Why should the type of good or size of the vendor enter into it?
In the west Apple is approximately half of mobile. That's massive. Saying a vendor isn't forced to do business with them is like saying that a vendor isn't forced to sell their products competitively. All things being equal if you publish software for mobile then you will be selling through Apple regardless of the terms they might impose.
Your remark about Bungie and Naughty Dog seems to me like saying that the local city doesn't need to tax a chain restaurant at the same rate as an independent one because it has storefronts in other cities with more favorable terms. The idea being that if they don't like the city's terms they can just close that storefront; it won't kill them due to their size and reach.
Since games also account for 70% or more of revenue, the App Store is more accurately described as a game store that also sells non-game apps, rather than a general store that also sells games.
The Game Store part of the app store could certainly stand on its own and operate with similar terms to Nintendo's eShop, Sony's PSN store, or Google Play.
Epic wants to force Apple to lower its platform fees so that it can pay lower fees to Apple for Fortnite (technically IAP since Fortnite is "free to play") than what it pays to Sony and Nintendo (or Google for that matter) for Fortnite.
Hell I'd argue more people are upset about the lack of an OnlyFans app than Patreon. OF has way more brand-recognition (outside of tech) than Patreon.
Like my point is that atleast for amazon/yt, these bots usually cost this much ~$0.03 to buy once.
Then we probably see a scammer buy many of these accounts and then (rent it?) on their own website/telegram groups to promtoe views/ratings etc./ comment with the porn ridden bots that we saw on youtube who will copy any previous comment and paste it and so on.
So technically these still cost 3 cents & scammers are happily paying the rate.
Once upon a time it was expensive to send messages and now it's cheap.
I remember Verizon wireless at the time had a plan with unlimited nights and weekends for calls and texts, so my friends and I would message each other like crazy on the weekends when it was free. Got grounded when I got my first girlfriend in high school for racking up the phone bill from text messages and promptly got my phone taken away.
2. The costs for this would be ridiculous. I have probably sent over a million public messages on Discord in the decade I've been using it. $10,000 is a pretty steep fee to do some chatting.
3. This is essentially a digital ID scheme with extra steps, and requires ceding privacy completely to communicate on the internet.
I understand your comment was probably an off-hand joke and not to be taken seriously but if you think about it for very long it becomes apparent that it would actually make the problem worse.
Junk mail isn't that expensive in the grand scheme of things. And I'd be surprised if the margins for this was so high that a mere 1 cent transactions wouldn't deter so many of them.
I see it the opposite. You will never stop truly motivated propaganda from spreading its messae. They put millions into it and the goal isn't necessarily profit. But you stop a lot of low time scammers with a small cost barrier.If only because they then take a cheaper grift.
Its still widely used :-D