Apple Opens NFC Gates: PayPal, Block Set To Transform iOS Checkout, But At What Cost?
Apple Opens NFC Gates: PayPal, Block Set To Transform iOS Checkout, But At What Cost?
Apple Inc's (NASDAQ:AAPL) iOS 18.1 could be a boon for PayPal Holdings Inc (NASDAQ:PYPL) and Block Inc (NYSE:SQ), analysts say. The two companies have long been relegated to the sidelines of Apple Pay's ecosystem.
分析师称，苹果公司（NASDAQ:AAPL）的iOS 18.1可能成为paypal控股有限公司（NASDAQ:PYPL）和Block公司（NYSE:SQ）的福音。这两家公司长期以来一直被边缘化，未能进入苹果支付生态系统。
What Happened: Cupertino, California-based Apple is unlocking its NFC (near-field communication) technology, giving developers the ability to initiate contactless transactions directly on iPhones.
何事发生：总部位于加州库比提诺的苹果公司正在解锁其近场通信（NFC）技术，使开发人员能够直接在iPhone上进行非接触式交易。
Until now, PayPal's interaction with iOS users was indirect, relying on its card products being buried within Apple's Wallet.
直到现在，PayPal与iOS用户的互动是间接的，依赖于其卡产品埋藏在Apple的钱包中。
But with the introduction of NFC access, PayPal and Block have a golden opportunity to leapfrog Apple Pay's checkout process, engaging more directly with users.
但随着NFC访问的引入，PayPal和Block有了一个绝佳机会跳过Apple Pay的结账流程，更直接地与用户互动。
This could mean more visibility and a stronger foothold on the iOS platform, potentially shaking up the mobile payments space.
这意味着在iOS平台上获得更多的曝光和更强的立足点，可能会动摇移动支付领域的格局。
Read Also: Apple To Open Its Tap-And-Go Payment System To Rivals, Settles EU Antitrust Probe
阅读还要：苹果将向竞争对手开放挥一挥手付款系统，并解决欧盟反垄断调查
Why It Matters: JPMorgan analyst Tien-Tsin Huang says Apple's monetization model for Apple Pay is notably rare. It's primarily issuer-based per transaction — a setup that's unique and difficult for competitors like PayPal to replicate.
为什么它很重要：摩根大通分析师黄天津表示，苹果支付的货币化模型非常罕见。它主要基于交易的发行方，这是一种独特且对paypal等竞争对手难以复制的设置。
For PayPal, matching this model could be a high-stakes challenge. Additionally, tapping into merchant-side monetization will require navigating a labyrinth of negotiations and could face resistance from merchants already dealing with payment fees.
对于PayPal来说，实现与这一模型的匹配可能是一个高风险的挑战。此外，进入商家货币化领域将需要解决一系列谈判，并可能面临已经在处理支付费用的商家的阻力。
While the move promises greater engagement for PayPal, the financial implications are murky. Apple's Secure Element access introduces a new dimension to mobile payments, but it comes with its own set of complexities and costs. The shift could reshape how transactions are processed and how companies engage with users, but it also opens the door to economic uncertainties and potential hurdles.
尽管这一举措承诺了更高的用户参与度对于paypal来说，其财务影响尚不明朗。 苹果的安全元素访问引入了移动支付的新维度，但也带来了一系列的复杂性和成本。 这一转变可能重塑交易如何进行以及公司如何与用户参与互动，但同时也打开经济不确定性和潜在障碍的大门。
Apple's NFC release is a strategic maneuver that could redefine mobile payments. For PayPal and Block, it's a chance to enhance user interaction and visibility on iOS.
苹果的NFC发布是一次重新定义移动支付的战略举措。对于paypal和Block来说，这是一个增强用户与iOS交互和可见性的机会。
Yet, the path forward involves navigating intricate financial dynamics and securing merchant buy-in. As this story evolves, it'll be crucial to watch how PayPal leverages this new access and tackles the accompanying challenges.
然而，前进的道路涉及了复杂的财务动态和确保商家购买的安全。 随着这个故事的发展，关键在于观察paypal如何利用这个新的访问权限并应对伴随而来的挑战。
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