It is striking that several European governments are limited in rolling out digitization by Apple strong headed refusal to play nice on NFC access. This has far greater implications than Apple Pay which can be reduced to a simple question of market access and competition. What this is really about in digitization and has implications on aspects like terror financing and money laundry generally. So a lot of not so nice people probably loves Apples stance here. And it has absolutely nothing to with security which is Apples normal refuge when this is discussed.