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Start of the Apple Card in Germany or Europe: Never
In March 2019, the Apple Card was presented at the special event and has been available in the USA since September 2019. And that will remain so for the time being. Apple Card, just one of many building blocks for Apple’s ecosystem Payment is an important component for Apple, as “paying” has a high relevance…
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Apple Pay, Google Pay, Samsung Pay: The German partner banks
Apple Pay and Google Pay have been available in Germany for almost two years and with Samsung Pay a third major protagonist is now starting. Since the launch in 2018, the number of partner banks at both Google and Apple has grown continuously, so that the coverage of participating banks in Germany is now impressive.…
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Anleitung: In 5 Schritten zur NEO-Bank
Eine Neo-Bank zu bauen hört sich schwer an und gerade wenn man erst frisch begonnen hat sich mit Kundenbedürfnissen zu beschäftigen, kommt es einem vor, als stehe man vor einem unüberwindbaren Berg. Doch eigentlich ist das alles gar nicht so schwer. Man braucht nur jemanden, der Schritt für Schritt durch einen solchen Prozess führt. Und genau hierbei möchte…
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Study by Google and the savings banks: An evidence of incapacity
Together with Google, the German Savings Banks and Giro Association (DSGV) has commissioned a representative GfK survey on banking products. What was to become a study on customer behavior in the age of smartphones and online banking is basically a testimony to years of ignorance and failure to offer customers, who have now gone digital,…
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Cash supply in Germany – an overview
Cash supply in Germany is certainly not a problem. Because Germany laughs because cash laughs. In Europe, Germany belongs to the Top5 cash countries. While in Sweden only 15 percent of people pay cash, the situation is completely different in Greece (88 percent) and Spain (87 percent). Germany is in fifth place with as many as…
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Duty to pay: Like BON-apartes Waterloo
Since January 1, 2020, the receipt requirement has been in force in Germany, and retailers and restaurateurs must issue a receipt for every transaction. This leads to whining on a high level, because the obligation to issue receipts came as surprisingly as the implementation of the PSD2 directive or Christmas because it was already known…
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PSD2 and XS2A: Account data in danger?
Pretty much exactly a year ago a ghost went through Germany. People´s account data were no longer secure. Due to PSD2, which has since come into force, and associated possibility foe third-party providers to access account information (Access to account / XS2A), the account data is in danger. The question as to whether account data…
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Artificial Intelligence in Banking
“I talked to the accounting department in Houston yesterday and they told me that you’ll get a higher salary next month” HAL 9000 – Space Odyssey. If man becomes too stupid, artificial intelligence is needed. And after Mobile Payments, Blockchain and various other topics, the credit industry has now found another topic that can be…
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Mobile Payment in Germany – what is possible, and what is not
Mobile Payment in Germany – what is possible, and what is not About the sense and nonsense of paying with your smartphone at the cashier point can and must one argue, and about the question why we no longer talk about mobile internet, but still distinguish between mobile payment and payment in other areas, when…
