MTJC – Ep 6 – Apple iPhone 6 & iPhone 6 Plus, Apple Pay & Apple Watch

In the 6th installment of the More Than Just Code podcast we discuss the impact of the new products and services announced by Apple on September 9th. Aaron expounds on the features on the new iPhone 6 and iPhone 6 Plus. We each give our opinions on the new product mix from the under equipped iPhone 5C to the oversized iPhone 6 Plus, and which model we would choose as consumers and developers.

We discuss the new Apple Pay service, it’s impact on purchasing north and south of the Canada/US border. This could be the introduction of something bigger than what appears on the surface.

Aaron takes the reins again and expounds upon the new Apple Watch. This again could be the cusp of a new set of products and services from Apple and potentially 3rd Parties.

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Episode 6 Show Notes:

One Reply to “MTJC – Ep 6 – Apple iPhone 6 & iPhone 6 Plus, Apple Pay & Apple Watch”

  1. So with regard to the comment about First Data being a ‘preferred nation status’ while some big banks seemed to have been left out of Apple Pay…

    Actually First Data is one of those companies that you might never hear about, but they are intimately involved in pretty much everything. In one way or another, perhaps around 90% of all transactions in the U.S., whether credit card swipes or online transactions like on Amazon, go through First Data at some level, and about 50% of all transactions world wide.

    They are also an acquisition model company; every other year they are acquiring big players, for example Western Union etc. Many banks are also partnered with them, as well as other commerce layers, like Chick a Fil, Walmart, etc..

    For example when Banana Republic or Wells Fargo issues a card, the card is actually coming from First Data, and First Data handles all aspects of the services for that card, from the actual transactions to support, where if a user calls in to Banana Republic for support on their card, while they don’t realize it they are actually speaking to First Data.

    One thing I didn’t realize was that apparently there is actually a large and growing segment of the population in the U.S. that don’t have any type of bank account. For example, Walmart issues to its employees, instead of a paycheck, a pre-paid credit card. Their salary goes into that card. They can check their balance at an ATM or using a mobile app called Money Network (which is what I’m working on currently). That mobile app is pretty dynamic in that the branding, menus etc. are all coming from the back end dynamically depending on which organization is the card issuer.

    First Data also owns an entire end-to-end POS system for small businesses called Clover, which is going to work out of the box with Apple Pay.

    Anyway what all this boils down to is that First Data was actually a very strategic partner in Apple Pay. It was also a very secret deal – most folks at First Data didn’t know about it, even developers who were building requirements for Apple (we just weren’t told that the requirements were for Apple). Just because a given bank wasn’t in the Apple keynote announcement, doesn’t mean they aren’t already going to be integrated with Apple Pay at some level.

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