American banks are actively involved in the race to attract future users of Apple Pay - a new mobile service, represented by Apple on 9 September.
Apple Pay will start to work in the United States in October and will be available for users of the new generation of "apple" devices - smartphones iPhone 6, iPhone 6 Plus and Apple Watch. Banks expect to convince their customers to use their card is issued as a card by default in Apple Pay.
According to Interfax , all the major banks have committed significant budgets for this purpose, but their ability to publicize the new service is limited because Apple has always tightly controls advertising their products partners in other industries.
The largest issuers of cards - JPMorgan Chase, American Express, Bank of America, Wells Fargo and Citigroup - talk about serious benefits that will use their card as a card by default in payments in Apple Pay. Some of the smaller competitors are afraid that they may lose in the race to attract customers.
"It's a healthy competition. We wanted to be the first to create the image of Apple Pay, both for our mobile application, and for the site, 5,600 of our offices, as well as ATMs. Each bank wants to create an incentive for customers to download it is his card as the default in Apple Pay », - said the commercial director of JPMorgan Chase Kristin Lemkau.
According to the head unit Citi credit card Judah Linville, competition among banks will focus on the creation of "elegantly simple and safe" consumer experience. "There are those who achieve really good results, and those who will move more slowly in this direction and not be able to effectively communicate their decisions to the user," - said Linville.
Banks do not yet know all the features of Apple Pay, but most of them are sure that the application is likely to require the user to use one card by default, rather than give him the opportunity for each operation to view a virtual wallet to select one of eight cards that can be downloaded.
FCCU also hope that their clients as the default will choose credit instead of debit cards as fees received by banks from retailers for paying customers transactions using credit cards, more.
Apple Pay will be available for users in the United States in October as part of the application Passbook operating system iOS 8. Customers will be able to pay in the store, just raising a iPhone to a contactless reader, while holding a finger on the fingerprint sensor to confirm the identification of the smartphone, and the transaction will be carried out . For purchases within the application, users can simply touch the screen with your finger or enter your password without having to enter the card number or exit the application.
Members Apple Pay will be able to secure payments in many major online booksellers, as well as proximity to the most popular shopping areas in the United States, including major shops, restaurants, transportation, refueling, mini supermarkets and stores, Apple Store. Among the companies planning to accept payments via Apple Pay - McDonald's, Walgreen and Macy's.