[amf12]

> Security.

Why do you think a banks NFC payment app might not be secure? If ios is a platform then another NFC app could be as secure. Regardless, users should be given a choice. You can continue using Apple Wallet app, some other users might prefer other apps.

[danielmarkbruce]

The concern is bad actors - that some random app (not your bank) gets access to NFC.

Choice isn't always good. Especially where consumers don't really understand all the implications. My mom doesn't benefit from choice here, she is actively harmed by it, she knows it, she uses Apple to avoid it.

[freeAgent]

Your mom already chooses to use Apple for this reason, so presumably would also not use a third-party App Store or sideloaded apps, so she could still benefit from the Apple security blanket even while theoretically having choice.