Kwanan nan mun yi mamakin (kuma mun ba ku mamaki) da zuwan ɓarkewar sabbin cibiyoyin bashi zuwa Apple Pay a Spain, aƙalla tare da sanarwar cewa waɗannan za su kasance cikakke a cikin watanni masu zuwa. Apple Pay shine ingantaccen tsarin biyan kuɗi ta wayar hannu wanda muke gwadawa a ciki Actualidad iPhone tun zuwansa kasar Iberian. Duk da haka, Kamar sauran samfuran da yawa a matakin software na kamfanin Cupertino, ci gabanta ya dace da tsarin: ƙarshen, mummunan kuma bai taɓa kasancewa ba.
An yi jita-jita da yawa game da dalilin da yasa kawai cibiyoyin bashi da ke akwai tare da Apple Pay a Spain shine Banco Santander, saboda yarjejeniya ce ta keɓancewa, kuma Da alama mun riga mun san iyakarta, shekara guda. Don isa ga wannan ƙaddamarwa, wajibi ne a gudanar da jerin tsinkaye na asali.
La Caixa, wanda shi ma ya hada da Imaginbank, ya sanar da cewa kafin karshen shekara za ta iya bai wa kwastomomin ta damar zuwa Apple Pay. Duk da yake gaskiya ne cewa muna da wasu hanyoyin daban kamar Albarka kuma kamar Carrefour Pass, gaskiyar ita ce cewa ɗayan waɗannan ba mahaɗan banki bane tare da wata alama ta al'ada a kasuwar Sifen. A halin yanzu, masu amfani sun yi murabus don amfani da madadin waɗanda a yawancin lamura ba su da amfani kuma har ma suna samun fa'ida daga amfani da Apple Pay, kamar Boon.
Lokacin da Tim Cook yayi tsammanin isowar Apple Pay zuwa Spain zuwa "kafin ƙarshen shekara", yana magana ne musamman zuwa 1 ga Disamba, kwanaki 30 kawai kafin ƙarshen shekarar da aka yiwa alama. Wannan shine yadda aka sanar dasu a Caixa Bank, a "kafin ƙarshen shekara" wanda yake kama da Disamba 1, ba zato ba tsammani, cikakkiyar shekarar zuwan Apple Pay zuwa Banco Santander, tana sanya kanta a matsayin banki kawai da ya sami wannan zaɓi don biyan kuɗin wayar hannu.
Me yasa zaluncin Apple ya biya Spain?
Ci gaban halaye a matakin software na Apple a Spain a wasu lokuta yana da halaye marasa kyau, misali shine News da Apple Pay, Ayyuka biyu waɗanda saboda wasu dalilai da ba mu sani ba ba a tura su daidai a Spain ba. Wani abu kai tsaye yaci karo da gaskiyar cewa Spain itace ƙasar da ke Turai inda ake biyan kuɗi ba tare da tuntuɓar mutane ba sannan kuma akwai wayoyi masu dacewa da yawa (kusan 820.000). Muna fuskantar bayyanannen misali na raini ko ƙaramin shiri, tunda Sun rasa yiwuwar aiwatar da nasu fasaha a cikin kasuwar da ta amsa a sarari tare da hannu biyu zuwa wannan nau'in hanyar.
Wani misali kuma da yake bayyane shine cewa bankin Caixa ya sanarda Apple Pay jim kadan bayan kamfen din talla mai karfi da Samsung Pay da Caixa Bank suka sanar da kawancensu. A halin yanzu, a cikin Spain dole ne mu yi murabus don canja wurin bayananmu ga ƙungiyoyi kamar Carrefour ko Boon, waɗanda ba bankuna bane kuma waɗanda ke tilasta mana dogaro da wasu kamfanoni don yin aiki mai sauƙi kamar biyan kuɗi. Wannan shine yadda dukkanin batun hadawa da tura Apple Pay a Spain suka kasance masu bunkasa.
Tare da isowar Caixa Bank da kuma ƙididdigar zuwa ƙarshen shekara, ana sa ran sauran hukumomin banki da ake ɗaukar "masu ƙarfi" a cikin Spain suma za su fara shiga, kamar su BBVA ko Bankia, bankuna biyu da suka kara wa bankin Caixa da Santander za su yi tunanin samar da wadatattun kayan aiki, suna bayar da wasu hanyoyin ta yadda Apple Pay zai isa ga dukkan Mutanen Spain da sauri. Koyaya, akwai shekaru da yawa da aka tura Apple Pay, muna tsammanin an sami gagarumar nasara a ƙasashe kamar Amurka, yayin da Mutanen Espanya ke biyan kuɗin fasahar da na'urarmu ta haɗa amma ba mu iya amfani da ita ba. Har yanzu muna nesa Karɓar katunan jigilar jama'a ko kowane hanyar NFC ita ce babbar nasara ta gaba ga masu amfani da iOS a Spain.
A ɗan ɗan ɓatar da labarin. Babu wata yarjejeniya ta keɓaɓɓu kuma ba software ta apple ba latti kuma ba ta da kyau. Kayan aikin yana da ban mamaki, kuskuren da a Spain bai yada ba ya kasance akan Visa a gefe ɗaya (ba a shirya shi a Spain ta ƙofar biyan kuɗi ba, a ɗaya hannun MasterCard a, don haka kawai yana karɓar MasterCard ne ko da a Santander) da wasu bankuna, ba duka ba (kamar BBVA), waɗanda ba sa son karɓar ƙoƙari don fifita hanyar biyan kuɗin wayar su da guje wa hukumar daga Apple. Za su fara karɓar Visa a cikin 'yan watanni kuma ƙarin bankuna za su shiga saboda Visa da RedSys (mai biyan kuɗi a Spain) sun riga sun daidaita.
Ina so in ba da ƙarin bayanin da ba zan iya ba, amma kuma babu laifin yarjejeniyar keɓewa, kuma ba software na Apple ba ne mara kyau, akasin haka.