{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"The Payment Expert Podcast","title":"CMA vs Apple on NFC Access | Ep. 033","html":"<iframe width=\"100%\" height=\"180\" frameborder=\"no\" scrolling=\"no\" seamless src=\"https://share.transistor.fm/e/b16719df\"></iframe>","width":"100%","height":180,"duration":1494,"description":"This episode breaks down the UK Competition and Markets Authority's proposals to force Apple to open the iPhone’s contactless NFC chip to rival wallets, and what that means for banks, fintechs, and consumers.\nKey Topics\nThe CMA's core demands: Requiring Apple to offer both Host Card Emulation (HCE) and Secure Element (SE) access, Express Mode functionality, and alternative default wallet selection.\nWhy the 2024 opening failed: How Apple's existing commercial fees and restrictive SE-only platform kept rival wallets from launching in the UK.\nThe security vs. open-access debate: Examining Apple’s security concerns against the fact that Android and the EU already operate safely on free HCE models.\nGlobal regulatory precedents: Comparing the UK's approach to the EU's binding free-access settlement, Brazil’s ongoing fight over contactless Pix, and earlier attempts in Germany and Australia.\nWider industry impact: How open NFC could enable in-store \"Pay by Bank\" options, unlock transit and digital ID services, and whether UK consumers will actually see third-party wallets by late 2027.\n\nHost: Louis Thompsett\nGuest: Kieran O'Connor\nProducer: Anaya McDonald\nEditor: Anaya McDonald\nLearn more about the latest payments insights: https://paymentexpert.com","thumbnail_url":"https://img.transistorcdn.com/x2AisWu-O0-jJGBjbb6bp8_EKOIbCdh06yuEKJ5YS6Y/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9mOGQ4/MGQ1ZjhhNGRjYWY0/NzI0Nzc4NTRmNjU5/MDNlNy5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}