ApplePay gets iOS Competition – Curve

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The Times (London) Article – May 29 2024

In January of this year, Apple offered commitments to the EU to assuage their concerns about NFC payments and mobile wallets related to the EU’s Marketplace Fairness Act (MFA—see blog). Apple’s approach follows Google’s model in Host Card Emulation (HCE—see Apple Developer Doc).

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Durbin 2 – Impact on “Wrapping” Rules?

© Starpoint LLP, 2022. No part of this site,, may be reproduced in whole or in part in any manner without the permission of the copyright owner.

A highly technical “what if” scenario involving a long-sought after change by top US card issuers. I’m fortunate to have the exec teams of just about every payment network, processor and FinTech read this blog. I have 3 main drivers for writing today:

  1. Start a community discussion
  2. Assess the potential for a much more strategic driver behind the proposed Durbin bill
  3. Most “change” in US payments is driven by 7-10 players: networks, top issuers, Google, Apple, … etc. These changes have an enormous impact on the FinTechs building around them. I’m hoping to help these small companies plan around these changes as the only advantage of a start is speed.

Note I DO NOT think this scenario is likely, but rather possible (30% probability). Historical context is key and the only reason I’m spending time on this today is that 27 bank CEOs have been discussing this for over 10 yrs.

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