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.
分析師稱，蘋果公司（NASDAQ:AAPL）的iOS 18.1可能成爲paypal控股有限公司（NASDAQ:PYPL）和Block公司（NYSE:SQ）的福音。這兩家公司長期以來一直被邊緣化，未能進入蘋果支付生態系統。
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.
何事發生：總部位於加州庫比提諾的蘋果公司正在解鎖其近場通信（NFC）技術，使開發人員能夠直接在iPhone上進行非接觸式交易。
Until now, PayPal's interaction with iOS users was indirect, relying on its card products being buried within Apple's Wallet.
直到現在，PayPal與iOS用戶的互動是間接的，依賴於其卡產品埋藏在Apple的錢包中。
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.
但隨着NFC訪問的引入，PayPal和Block有了一個絕佳機會跳過Apple Pay的結賬流程，更直接地與用戶互動。
This could mean more visibility and a stronger foothold on the iOS platform, potentially shaking up the mobile payments space.
這意味着在iOS平台上獲得更多的曝光和更強的立足點，可能會動搖移動支付領域的格局。
Read Also: Apple To Open Its Tap-And-Go Payment System To Rivals, Settles EU Antitrust Probe
閱讀還要：蘋果將向競爭對手開放揮一揮手付款系統，並解決歐盟反壟斷調查
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.
爲什麼它很重要：摩根大通分析師黃天津表示，蘋果支付的貨幣化模型非常罕見。它主要基於交易的發行方，這是一種獨特且對paypal等競爭對手難以複製的設置。
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.
對於PayPal來說，實現與這一模型的匹配可能是一個高風險的挑戰。此外，進入商家貨幣化領域將需要解決一系列談判，並可能面臨已經在處理支付費用的商家的阻力。
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.
儘管這一舉措承諾了更高的用戶參與度對於paypal來說，其財務影響尚不明朗。 蘋果的安全元素訪問引入了移動支付的新維度，但也帶來了一系列的複雜性和成本。 這一轉變可能重塑交易如何進行以及公司如何與用戶參與互動，但同時也打開經濟不確定性和潛在障礙的大門。
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.
蘋果的NFC發佈是一次重新定義移動支付的戰略舉措。對於paypal和Block來說，這是一個增強用戶與iOS交互和可見性的機會。
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，前進的道路涉及了複雜的財務動態和確保商家購買的安全。 隨着這個故事的發展，關鍵在於觀察paypal如何利用這個新的訪問權限並應對伴隨而來的挑戰。
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