Hopefully it'd be really in next week... hopefully it's not wolf coming this time around... hopefully the date confirmed by our ah jib gor in this thread is the d-day...

hopefully hopefully...

Btw lemme introduce myself. I have been a long follower of this thread for months now. FIN

Well I think we can see which comes to have Apple Pay first, by next week. In my opinion, launching of Apple Pay doesn't necessary mean Apple or any other representative has to make any kind of announcement beforehand to really proof that Apple Pay is on the way. I mean, it's simply up to them and/or Apple, whether or not to announce/give any hint about release of Apple Pay in a certain country. Most surprising scenario can even be you unexpectedly find out AP is here the moment you wake up in the morning.

One guy previously made a great smart guess on the date using data-driven approach. I'm feeling very good and confident of the date he endorsed

I think technically it’s possible for TnG to do AP in viewing the recent NFC version of TNG card made available, it’s just a question whether they want it or not. In fact, also depends on how they’d see this AP as a new way of selling their cards. Why? Think about it: the new NFC TNG card is so hot right now that they got sold out seconds after every restock. And coincidently, AP virtual transport card would be able to solve this issue as the cards can now be made available instantly thru the AP platform (look at how Japanese, Hongkongers can purchase their Suica & Octopus card thru AP). Besides, they can in fact charge customer with same price as the physical card yet don’t even have to worry about chip shortage/ordering those chip anymore since it’d be all virtual.

But of course, my hypothesis would only be valid if the market proportion of iPhone in Malaysia is sufficiently prominent to be able to contribute a good amount of revenue.

I don’t personally think they can succeed with that, because for prepaid Visa card we already have a big player here, the MAE.

They don't have to disclose anything to us, by right. What to say/announce beforehand is totally up to them.

Those insiders should be able to answer that once all these BTS details are declassified after the launch. But as far as I’m concerned, it would have involved lots of other factors besides transaction fee alone. And if you Google Apple Pay in Korea, you will find that they likely will never have AP due to the ridiculously high fee charges against the card issuers in SK compared to other countries. Plus, it is known that NFC terminals aren’t as prominent in SK since most of them are still rely on IC-based readers.

I am quite confident we'll be ahead of Thailand.

It might happen if RapidKL proceeds their intend to implement MyDebit fare gate terminal, as this will give pressure to and challenges the monopoly position of TnG.

According to history, iPay88 has actually implemented Google Pay back in 2019, however at that time it was only limited to purchases in Play Store.

But perhaps more importantly, I think we should look into whether the appearance of Google Pay in Malaysia's Shopee app occurred at the same time as Apple Pay. If true, chances could either be:

- Google Pay would arrive in near future following Apple Pay's release
- they accidentally toggled the Gpay option while updating the app to finally support AP

Most probably is done by banks' side. AFAIK Apple never held any kind of media event just for a service thingy, even when AP was launched in Japan (where iOS adoption rate is one of the highest). I think looking back at how SP was launched here back in 2015 should give us a rough picture how this upcoming one would look like.

Woops perhaps we should keep this thread quiet for a while from now on...??

(cuz all heats memang originated from here hehe)

It really makes the difference, whether you put the flier in premise or enabling AP service on ecommerce platform. But of course the former one would look more like a serious "leak", because technically (and legally) AP memang haven't released in Malaysia yet, but then someone suddenly put up a sign saying "XX accepted here". Think about it how Apple would see that as an offence.

Those ecommerce like Shopee on the other hand, would have a very valid excuse like "I just toggle teh switch now only mah". Cuz at the end of the day for what Shopee/Adidas do, they don't explicitly put it as "XX has been released in Malaysia" that kind of sense.

TLDR: It's a legal word game.

1430.

Apple Pay is a service, not application/software. Hence, it shouldn’t be OS-dependent. All of us should be able to use Apple Pay immediately once the service backend is rollout to production mode. The moment you see MY entry on the JSON file someone pointed out before this, that’s the moment Apple Pay is officially released in Malaysia.

Aiyahh still need S1 ahh… whoops then my friend bo kang tao cuz he’s S0 lel 😅

It should work. Cuz remember, AP is just a wallet instead of a payment processor. That means whatever Apple Pay is, the transaction will still go through the bank’s network, eventually. And from there bank will be able to see every details of your transaction (using their own private decryption key on top of AP’s encrypted trans), hence would be able to grant you any reward according to their current promos.

Therefore this is also why bank’s participation is even more important than Apple’s role. How those transactions will be handled are all on banks’ side (hence setting up their own AP backend). Apple is just a solution provider, whereas our banks are the implementers.

Guys, quick update. Because of what AmBank did, the official launch time for other banks will now be… earlier than scheduled.

Fact: All banks agreed to only disclose it by 2:30PM tomorrow. But now no more, cuz Ambank… did something actually not supposed to.

Ok calm down guys. First of all, did the camel just ruined the entire schedule? Definitely YES… but, are the rest really going to announce early? It’s both yes and no… but from what I’ve gotten they EXPECT others to push the schedule ahead as the MORE LIKELY measure they’d take to counter the effect.

Anyway guys, I hope this all of us understand my actual meaning is that, from now on, ANYTHING CAN HAPPEN in the next second. Meaning that what other FI would do, are now all TOTALLY UNFORESEEABLE. Hope that clarifies.