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Anyone saw this in their TnG homepage app? Not sure what can I do as everything I press also leads me back to individual service apps.

if i receive a new card (due to renewal) do i have to remove the old one and add back the new one ?

Anyone has any updates if any other banks will be jumping onboard Apple Pay?  Silently, I am waiting for UOB....

I think at this point banks will just wait for Apple to open up the NFC chip for 3rd party developers, coming up in iOS 18.1. Then from here they'll incorporate it into their native apps instead, rather than via Apple Pay. However, to use this, they "need to enter into a commercial agreement with Apple, request the NFC and SE entitlement, and pay the associated fees"

Developers can soon offer in‑app NFC transactions using the Secure Element

this feature only opened to EU and north American due to antitrust laws. Apple was forced to open it.

unless Asian countries all impose same law to Apple, this greedy apple still want your money from your pocket.

Not really, Apple isn't taking money out of our pockets, their portion comes from the bank.

Data also reveals that Apple Pay strengthens card payment security and improves the payment process, which helps banks minimize fraud losses, bringing benefits to both banks and users.

Bank will transfer cost to us! if cannot transfer by other means, they don’t allow their customer to use apple pay.

who you don't see many local bank got apple pay?

Further to what @KaiHD has mentioned, in Australia, merchants are LEGALLY ALLOWED to pass card payment-related charges (MDR, terminal rental etc) to consumers if they choose to (normally between 1.0%-2.0%).

Locally in Australia, there is a locally operated Card Network like MyDebit called "eftpos". Generally, there are 3 types of merchants that I have met:
1. Don't charge surcharge at all (typically larger companies who can stomach the fees).
2. Discriminate between Visa/MC and eftpos, with the latter not being charged a fee (like Aldi and some restaurants).
3. Charge surcharge when you use *whichever* card for payment.

Initially when Apple Pay launched in Australia many years back, only Visa/MC/AmEx is supported. eftpos was a relatively new addition to Apple Pay (Google: "Apple Pay Australia eftpos support").

Since the merchant can legally pass card charges to consumers so long that they indicate upfront, consumers can choose which payment method to use (Cash, eftpos or Visa/MC).

Hopefully one day MyDebit would be supported in Apple Pay; could be a very long shot. However the good news is that PayNet (operator of MyDebit) has gotten approval for Token Service Provider from the EMVCo.

*It surprised me that Aussies don't mind the 1-2% charge for convenience even if the merchant offer 0% charge for eftpos. All it takes is for the user to pick eftpos and reauthenticate with Face ID*

Has anyone who uses Apple Pay ever paid more than someone who doesn't use Apple Pay?

You're contradicting yourself. You claimed that the bank transfers the cost to us, but if that were true, why wouldn't they just enable Apple Pay, knowing they could pass on the cost?

The reality is that they can't transfer the cost to customers, which is why some banks choose not to enable Apple Pay.

BNM doesn’t allow banks to transfer any transaction fee to consumer.

if bank couldn't find a way to transfer cost to consumer or merchant, or they cannot make profit by just enabling apple pay, they wont enable it.

That is the reason why many banks don't offer apple pay because it has additional cost.

Some banks willing to absorb the additional costs simply they want you to spend more with apple pay, if you don't make enough transaction, they charge you annual fee.

remember, business always seeking profit, no one want to give free things.

Taobao is a good example, if you use apple pay, transaction fee is higher than using normal credit card. Taobao is in China and not under BNM governance, hence they can transfer cost to consumer.

Are you aware of how conflicting your argument is?

First, you said Apple is taking money from us, I countered that claim.

Then you shouted, "Bank will transfer the cost to us!" But when I pointed out the contradiction, you suddenly switched to discussing why banks won’t enable Apple Pay.

Each of your points might looks ok on its own, but together they don’t form a coherent argument.

we are working hard to meet the deadline next year. knowing apple abit "kerek", missing the deadline means we will be moved to the end of the queue.

Can I ask who “we” is and what deadline are they trying to meet? Are you saying MyDebit will be supported on Apple Pay just like eftpos in Australia?

yes

I didn't make it clear enough, bank will transfer cost to us “indirectly”, consumer pay the apple tax at the end.

You’re contradicting yourself with a series of inconsistent statements, one after another. You haven't addressed the questions that were raised but instead keep introducing new conflicting arguments, which lack consistent reasoning.

If you insist on calling this a "tax", despite there being no difference when someone pays with or without Apple Pay, then every mobile payment, card payment, e-wallet, and other non-cash transactions would also be subject to this "tax".

Do you think that payment solution providers are non-profit organizations? They all offer these solutions to generate profit ultimately.

agree with no difference consumer pay with or without apple pay (except taobao)

but bank would give 0.15% cut of transaction fee to apple, since bank get less profit, they will find way to make it up, who is the target bank going to make money, you guess.

HSBC and SCB credit cards charge me hefty annual fee if I don't spend enough in a year.

I can see those banks don't offer apple pay because they cant make it up by charging consumer hefty annual fee or cover their lost from consumer.

at the end, the wool comes from the sheep, thats what i want to say.

we are working hard to meet the deadline next year. knowing apple abit "kerek", missing the deadline means we will be moved to the end of the queue.