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News on August 15th,appleThe company announced on Wednesday that it will allow third parties to useiPhonePayment chips will process transactions, meaning banks and other services will be able toApple Pay platform in direct competition.

The decision comes after years of pressure from the European Union and other regulators. Apple said that starting with the upcomingiOS Starting from version 18.1, developers will be able to use this component. The payment chip uses aNFC(Near Field Communication) technology enables information sharing when a phone is close to another device.

The change will allow external vendors to use NFC chips for in-store payments, transportation system ticketing, work badges, home and hotel keys, and rewards cards. Apple also said that support for government ID cards will be launched later. In addition, users can also set third-party payment apps as the default payment method instead of Apple Pay.

Apple has long been cautious about opening up NFC chips to developers for security reasons. This change may also affect Apple's revenue from Apple Pay transactions. Nevertheless, Apple will still require developers to pay "related fees" for using NFC chips and sign a "commercial agreement."

Apple emphasizes that only "authorized developers who meet specific industry and regulatory standards and commit to Apple's ongoing security and privacy standards" can access the system.

Apple plans to launch this program first in Australia, Brazil, Canada, Japan, New Zealand, the United States and the United Kingdom. It is worth noting that although the European Union is one of the regions most actively promoting this feature, Apple’s statement did not mention the European Union. (Xiaoxiao)