The European Union believes that Apple is in the “abuse of a dominant position” in mobile payments

The European Union is preparing to impose a large fine on Apple. These are: NFC’s locking of its payment system, which according to Brussels would be anti-competitive.

Brussels is not done attacking the giants of the net. Following the adoption of the Digital Markets Act (DMA) in late April 2022, the EU is preparing to attack Apple. According to FinancialTimes, Brussels wanted the iPhone maker in the viewfinder because of its somewhat too restrictive use of its NFC chip and its Apple Pay payment system. Sanctions could be introduced as early as next week, says the English-language media.

This condemnation would be the culmination of a file opened in 2020. Specifically, Apple is accused of drastically restricting access to the NFC chip on the iPhone and to the Apple Pay service. It is certainly possible for other payment cards to integrate with Apple’s payment system, but it is the company that chooses who has citizenship on its application, in addition to taking a small commission on the transactions made through this tool. Online banking services must therefore have Apple’s blank check before offering a contactless payment solution.

Up to 10% of Apple’s revenue

Asked in 2019 by Bloomberg, Kerstin Altendorf, spokeswoman for the German Banking Association, said that “access to technical tools is a key factor in the competition of payment systems“. Two years later, the EU seems to have reached an agreement FinancialTimes, Brussels may force the company to pay a fine equal to 10% of its global turnover if it does not change at this point. In the case of a company that brews a few hundred billion per. quarter, the bill may turn out to be salty.

To justify this limitation, Apple cites privacy and security reasons. By opening its NFC antenna to the four winds, the company fears that malicious people will exploit it to bypass the privacy protection systems that Apple has put in place. Tim Cook was also very critical of the Digital Markets Act, which precisely allows the EU to press Apple’s fingers, believing that this text would allow “data-hungry companies to evade our privacy rules and again track our users against their will.”.

However, the European Union is determined not to let the pressure fall on Apple and Google. Both companies have too much control over our digital lives, the EU believes. And this new offensive from Brussels will certainly not be the last.

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