Ought to be grateful, I suppose. Seen HSBC's record on money-laundering? http://en.wikipedia.org/wiki/HSBC
Account at HSBC? BAD LUCK, no iPhone bonk-banking for you
British high street bank HSBC denies it has been frozen out of Apple Pay, after its customers were surprised to learn they could not join in the mass British bonk-banking bonanza earlier today. In a statement, HSBC told the Register it had always been the plan to launch at the end of July. The bank also insisted the two-week …
COMMENTS
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Tuesday 21st July 2015 15:35 GMT N13L5
Re: Ought to be grateful
I'm sure there is no better business for a bank than money laundering - with the exception of instigating wars, financing both sides and after enough wars, having every country in a mountain of debt, soaking up the lion's share of tax revenue, thus pressing out populations around the world like lemons. Capitalism and Communism are nothing but less obvious, less visible systems of slavery. Both were invented by the same people in a wildly successful divide and conquer scheme.
As far as HSBC goes, I like it if they do no bonking and other cashless "convenience" features introduced in order to ween us off cash. I'll have you know that the plan is, to remove all currency that's not electronic. I.e. the type you can stash under your mattress or some such place, where banks can't block you from using it and spooks can't trace your transaction buying coffee at 7/11 if for any reason the next dictatorship doesn't like you anymore.
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Tuesday 14th July 2015 11:34 GMT Anonymous Coward
No Coop / Smile ApplePay Support
I am a long time Smile Bank user (Credit / Bank) and there is no Apple Pay support coming from them. It's very disappointing and watching the perks and benefits of banking with them slowly being whittled away.
They used to be ahead of the curve when it came to Online Banking - now they are way behind.
Very Disappointing but looks like I'll be moving to Nationwide.
I'm posting this in the hope that there are some Coop Techies out there that can light a fire under the people who make these decisions who probably don't know what an iPhone is or what value the High Earning Tech engaged have to companies.
C.
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Tuesday 14th July 2015 20:24 GMT MrXavia
Re: No Coop / Smile ApplePay Support
I don't get it.. HOW will this save any time? either I pull out my phone or wallet... with my wallet I can choose from half a dozen different cards, from 4 different providers to pay with, can I do that with apple pay?
I find it odd that phone payments never took off with google/windows phones, yet apple seems to wave its wand and everyone wants to use it...
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Tuesday 14th July 2015 21:11 GMT jonathanb
Re: No Coop / Smile ApplePay Support
I was able to set up Apple Pay in about 3 minutes this morning while on the bus, and use it to buy breakfast when I got off the bus. The other offerings require you to set up new accounts, load them with money, get special SIM cards or sticky tags and things like that.
I'm not sure that I'll use it again for shop purchases, but being able to do on-line purchases without entering my card details certainly seems like a useful feature.
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Tuesday 14th July 2015 16:17 GMT Warm Braw
Re: No Coop / Smile ApplePay Support
The state of the Coop Bank's IT systems is only one of many points of contention with the regulators. I doubt that support for Apple Pay is high on their list of priorities, given their more pressing concerns,
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Tuesday 14th July 2015 11:47 GMT Blitheringeejit
I was going to leave HSBC, but now I'm not so sure....
If they are going to boycott the insane trend to enable bank account access from horribly insecure mobile devices over which we have no admin control, as far as I'm concerned that's an upvote for them.
Of course it barely registers against the massive downvotes they get for money-laundering and generally being a bunch of bankers - but as there's no real option for ethical banking left since the Coop went titsup, I might as well stick with the devil I know...
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Tuesday 14th July 2015 11:53 GMT Anonymous Coward
NFC? No thanks.
I am personally at a loss to explain why anyone would pay upwards of £400 (conservatively) to replace an NFC enabled credit card which most people do not want either (especially not those that are aware of the risks).
If you spend a bit of money on an RFID-safe wallet you have control over emissions as well, and you're less likely to have it ripped out of your hand when using it for other things like (gasp) making a phone call on account of it having a nice resale value for thieves.
There is even e better method for securing NFC enabled cards: not getting them in the first place. Card providers are apparently not permitted to make the presence of NFC mandatory, and as far as I can see you ought to be grateful for that.
I realise that not getting an NFC capable phone may make you look like you're not really "in" with the latest trends, but in this case that is IMHO a very good thing indeed. Apple Pay, Google Pay, anyone's "Pay" - if it needs NFC, you don't want it.
Just say no.
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Tuesday 14th July 2015 12:53 GMT sugerbear
Re: NFC? No thanks.
On the other hand, if you don't wear a tinfoil hat, don't live in a iPhone mugging hotspot (like London) and have an iPhone 6 then it's really easy to add your credit card and use it to pay for stuff.
That is what you are doing at the end of the day and my iPhone is a damn sight slimmer than my NFC Card/Cash stuffed wallet, plus so far I have to use my thumb to authorise every transaction, no big deal and easier than having to shiel my PIN at the POS terminal. Now (hopefully) the merchants will start to roll out more contactless terminals and make my life even easier.
I didn't buy my phone to use it to pay for stuff, but it's a very nice feature to have.
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Tuesday 14th July 2015 14:18 GMT g e
Re: NFC? No thanks.
My wallet is easier to pull out than something the size of my S4 and I don't need to 'thumb it', just placing the wallet by the PDQ machine does the job (yes, there's only one NFC card in the wallet).
The bank sent me that card (ostensibly) for free, too, saving 500+ quid. Bonus.
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Wednesday 15th July 2015 07:18 GMT sugerbear
Re: NFC? No thanks.
[quote]That's nothing - a good hacker can do it from several meters away without you needing to pull your wallet out...[/quote]
I think i might notice if this "good hacker" pulled my iphone out then managed to get my thumb on the button for a good 10 seconds all without me notice, I dont think "good hacker" even comes it, maybe this hacker is actually a stealth ninja hypnotist in which case why wouldn't they just hypnotise me then get me a bank and withdrawing all my money.
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Tuesday 14th July 2015 15:40 GMT Fitz_
Re: NFC? No thanks.
Speak for yourself. I like NFC and it's a major timesaver for small purchases where you just want to pay and move on. Obviously there are some security concerns, but ApplePay is more secure than a regular card (or bPay, or any 'pay' where there is a static RFID number) as firstly, ApplePay only spits out the NFC number *after* you authorise it with a fingerprint (or entering your passcode) but secondly the number is different every time. Both would defeat someone with a reader that would be able to get your card details by simply managing to touch it to where you keep your card, or even if you lost your phone.
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Tuesday 14th July 2015 16:13 GMT Annihilator
Re: NFC? No thanks.
"I am personally at a loss to explain why anyone would pay upwards of £400 (conservatively) to replace an NFC enabled credit card which most people do not want either (especially not those that are aware of the risks)."
Because they're not buying their phone to replace their credit card, it's just a bonus feature? Do you honestly think people rushed out to buy an iPhone 6 based purely on the upcoming Apple Pay?
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Tuesday 14th July 2015 13:23 GMT Iain Gilbert
Whilst I can see the point in backwaters where you have to sign a slip like some sort of animal and chip and pin is just some sort of fevered madman's dream but I don't really see how this is a big deal in the UK/Europe with pay wave and chip and pin.
Only advantage I can see if IF I forget my wallet I can still buy crisps.
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Tuesday 14th July 2015 14:49 GMT Graham Dawson
"all those wasted moments finding the right card"
I have two. Credit. Debit. They're in my wallet, which is in my pocket. Unless iPhone users walk around with their phones literally glued to their hands and have the bonkpay app open all the time I don't think I'm going to be suffering any comparative delay finding my money.
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Tuesday 14th July 2015 16:15 GMT Anonymous Coward
Re: "all those wasted moments finding the right card"
"have the bonkpay app open all the time"
You don't need the bonkpay app open. You present the phone to the reader in the same way you do with a card, the NFC chip in the phone is energised by the reader, triggering the app to launch, you select a card/authorise the payment with your thumb, it makes the payment.
I hear you can use the Watch (if you have one) instead of the phone, so in that use-case, it would be effectively glued to your hand.
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Tuesday 14th July 2015 14:57 GMT Anonymous Coward
wasted moments finding the right card
I can tell in a split second whether I want to pay using the one and only debit card in my wallet, or the one and only credit card. I can see them and they are easily accessible. If I want to pay for expensive items, then the credit card comes out, bringing with it the extra consumer protection it gives. Shopping goes on the debit card.
Now, the question is, is it quicker to select one of two cards from a wallet or unlock your phone, open the Apple Pay app, select which card to pay with, and then wave it around? Replace Apple with Google et al, the same problem occurs.
The argument that you can leave a bulky wallet at home and pay with your phone also fails. The lack of take up from numerous banks, and presumably from vast swathes of the retail sector, means you have to take your wallet, or buy from a small handful of shops only.
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Tuesday 14th July 2015 16:32 GMT Anonymous Coward
The big advantage that everyone seems to miss is the tokenisation, i.e. your bank card details are never given to the payment terminal or the vendor and so can't be nicked. You also don't get your card out and you don't have to type your pin number in with everyone watching. Extend this to using apple pay to buy goods online and in apps and all of a sudden you never have to transmit your actual card details or type in your cvc or pin number.
Yes the convenience of holding your phone or apple watch to a device is touted as the reason - but the security is a step up above all existing payment methods, imo
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Tuesday 14th July 2015 19:38 GMT jonathanb
If you read the TFL stuff about Apple Pay - https://tfl.gov.uk/fares-and-payments/contactless/other-methods-of-contactless-payment/apple-pay?intcmp=29634 it seems they do know which card you used to pay. They know if you have done loads of journeys with the same phone in that day/week and therefore are entitled to get the rest of the journeys that day/week for free. You can also enter your card details on their website and get details of the journeys you made and how much you were charged for them.
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Wednesday 15th July 2015 06:33 GMT Ironclad
Solution looking for a problem that isn't there
Of all the things that hold me up in queues for groceries/coffee/sundries it's not the 2 seconds it takes someone to get their wallet/purse out and wave a card at the reader.
When I can take goods off the shelf, wave my phone at them and enter my PIN/fingerprint, walk out of the shop (without triggering alarms and an armed response unit) and have it automatically billed to my bank then we're getting somewhere.