{"id":554865,"date":"2024-01-17T07:02:12","date_gmt":"2024-01-17T06:02:12","guid":{"rendered":"https:\/\/ibsintelligence.com\/?post_type=blogs&p=554865"},"modified":"2024-02-06T11:57:59","modified_gmt":"2024-02-06T10:57:59","slug":"could-apple-wallet-open-banking-and-softpos-be-holy-trinity-of-payments","status":"publish","type":"blogs","link":"https:\/\/ibsintelligence.com\/blogs\/could-apple-wallet-open-banking-and-softpos-be-holy-trinity-of-payments\/","title":{"rendered":"Could Apple Wallet, Open Banking and SoftPOS be the holy trinity of payments?"},"content":{"rendered":"

By Alex Reddish, Managing Director of Tribe Payments<\/a><\/em><\/p>\n

Apple\u2019s \u201cScary Fast\u201d Halloween product event unveiled the super-charged M3 chip. Still, the tech giant\u2019s new iPhone Wallet app launch was slipping under the media radar \u2013 now integrated with the UK\u2019s Open Banking framework. With the dominance of the Apple Wallet, its contactless \u2018Tap to Pay\u2019 tech, and now Open Banking data, Apple\u2019s three-pronged move into payments promises a world where traditional friction points and blockages to merchant acceptance are eliminated.<\/p>\n

Apple\u2019s Open Banking integration in the UK couldn\u2019t have been timed better, with 11% of UK consumers and 17% of small businesses now active users of Open Banking, with transaction numbers climbing every month.<\/p>\n

\"Alex
Alex Reddish, Managing Director, Tribe Payments<\/figcaption><\/figure>\n

Previously, Apple\u2019s Wallet app could only store UK users\u2019 credit card and debit cards to make tokenised online or in-store payments. But the integration of iOS 17.1 with the UK\u2019s Open Banking API means Apple\u2019s UK iPhone users can now view the balance of their current accounts, bank cards and credit cards within Apple\u2019s Wallet app and choose which account they want to pay from. For example, consumers can choose not to add to existing credit card balances and instead pay directly from their current account.<\/p>\n

<\/div>\n

So far, major UK banks Barclays, HSBC, Lloyds, RBS, and neobanks Starling and Monzo have signed up to share Open Banking data with Apple, and while banks may be concerned about disintermediation from their mobile apps, it will be difficult to resist the accompanying rise in transaction volumes and increased customer stickiness.<\/p>\n

For merchants, Apple\u2019s Open Banking integration means their iPhone-owning customers can make account-to-account (A2A) payments and cut out cards altogether. With A2A, merchants can benefit from higher conversion rates, reduced transaction costs, and instant settlement.<\/p>\n

But Apple is also enabling merchants to bypass the limitations of hardware POS terminals through its \u2018Tap to Pay\u2019 rollout, turning iPhones into SoftPOS terminals capable of accepting contactless card and digital wallet transactions, eliminating the need for separate card readers.<\/p>\n

<\/div>\n

According to a recent Tribe Payments survey, over 80% of merchants want to improve their customers\u2019 experience, but keeping costs down remains a key priority. Merchants, especially smaller or micro-merchants, don\u2019t want the hassle of hardware that\u2019s time-consuming to install, expensive to maintain, and difficult to upgrade every time a new payment method or industry standard emerges, like PCI DSS. In contrast, SoftPOS solutions like Tap to Pay enable untethered payment acceptance, available wherever the merchant takes their iPhone, with remote updates delivered over-the-air.<\/p>\n

Additionally, cash can\u2019t tell a merchant what items customers like to browse before buying, nor can it tell them their average spend or where they like to spend it. With SoftPOS, those cash-heavy merchants can now start accepting card and digital wallet payments with just their iPhones, boost their revenues, and gain new data-driven customer insights.<\/p>\n

Why merchant acquirers need to support SoftPOS<\/strong><\/p>\n

SoftPOS, when integrated with risk monitoring, reporting, inventory, and invoicing management, can generate even more benefits for merchants. But, to do that, acquiring banks will need to provide a single platform that supports all channels and transaction types. Tribe\u2019s modular technology and SoftPOS offering simplify in-person mobile and SoftPOS payments for large retail chains and micro businesses.<\/p>\n

The broader picture is that no matter which payment method is used, data\u2019s value is maximised when it is used to anticipate consumer behaviour to create hyper-personalised experiences that they demand. As for the future? With CBDCs now in development globally, they\u2019ll need to be stored somewhere and be able to interact with digital wallets. Apple Wallet offers a ready-made home with instant contactless and Open Banking functionalities.<\/p>\n

Ultimately, Apple\u2019s expansion into payments is throwing down the gauntlet to banks to deliver the dynamic digital payment services that merchants are craving to satisfy their customers.<\/p>\n","protected":false},"excerpt":{"rendered":"

By Alex Reddish, Managing Director of Tribe Payments Apple\u2019s \u201cScary Fast\u201d Halloween product event unveiled the super-charged M3 chip. Still, the tech giant\u2019s new iPhone Wallet app launch was slipping under the media radar \u2013 now integrated with the UK\u2019s Open Banking framework. With the dominance of the Apple Wallet, its contactless \u2018Tap to Pay\u2019 […]<\/p>\n","protected":false},"author":35761,"featured_media":554866,"template":"","categories":[11395,41695,19264,11378],"tags":[11433,11438,31386,12741,15982,38710,11456,12898,12629],"class_list":["post-554865","blogs","type-blogs","status-publish","has-post-thumbnail","hentry","category-analytics","category-banking-as-a-service-baas","category-ibsi-flagship-offerings","category-open-banking","tag-apple-pay","tag-digital-payments","tag-digital-payments-solutions","tag-digital-wallet","tag-iphone","tag-iphone-payments","tag-open-banking","tag-softpos","tag-tribe-payments"],"acf":[],"yoast_head":"\nCould Apple Wallet, Open Banking and SoftPOS be the holy trinity of payments? - IBS Intelligence<\/title>\n<meta name=\"description\" content=\"Apple\u2019s Open Banking integration in the UK couldn\u2019t have been timed better, with 11% of UK consumers and 17% of small businesses now.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ibsintelligence.com\/blogs\/could-apple-wallet-open-banking-and-softpos-be-holy-trinity-of-payments\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Could Apple Wallet, Open Banking and SoftPOS be the holy trinity of payments?\" \/>\n<meta property=\"og:description\" content=\"IBS Intelligence (IBSi) is the world\u2019s only pure-play Financial Technology focused research, advisory, and fintech news analysis firm, with a 30-year track record and clients globally. 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