Although it would be cool if Apple Pay supported Account-2-Account payments like SEPA Inst, Open Banking APIs in their current state seem to be the wrong path for that as shown in the picture below. Some people may claim that keeping Apple out is great but the fact is rather that NOBODY can create payment systems that are on par with Apple Pay based on Open Banking APIs! Well, this is not entirely correct; an not overly complex patch to the underlying Open Banking security model could indeed enable completely new possibilities.
Anders Rundgren’s Post
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