Idan a yau kun biya tare da katin kiredit na Visa, alal misali, Visa tana samun kwamiti don wannan biyan. Dukanmu muna tsammanin wani abu makamancin haka zai faru a yanzu tare da dandamali na biyan kuɗi ta wayar hannu, tunda a ƙarshe suna da yarjejeniya tare da ƙungiyoyin katin. Koyaya, ba zai kasance haka ba kwata-kwata, saboda Google ba zai cajin kwamitocin biya tare da Android Pay ba.
Dandalin da ba ya samar da kudi
Yana da ban dariya, domin a zahiri duk jarin da kamfani ya yi a Android Pay ba za a iya rage shi ba, aƙalla kai tsaye. Kuma shi ne, ba za su iya amfani da dandali don cajin ƙarin kwamitocin da za su sami kuɗi ga kowane ɗayan ayyukan da aka yi ta hanyar Android Pay. A bayyane yake, da kamfanin ya kasance yana tattaunawa da bankunan biyu da Visa da MasterCard, amma ba zai yi nasarar zama keɓancewa a cikin manufofin kamfanonin katin kiredit na ƙarshe waɗanda ke hana wasu kamfanoni cajin masu amfani da kuɗin kuɗi ba. Komai yana da ban mamaki saboda Apple zai sami kuɗi, 0,15% daga kowane ayyukan.
Asara, ko wata fa'ida?
Ga Google zai zama matsala. Ya zama dole, idan suna son yin gogayya da Apple, su ƙaddamar da tsarin biyan kuɗin wayar hannu, amma watakila suna tsammanin samun wani abu daga wannan dandamali. Ga masu amfani, duk da haka, yana iya zama mafi fa'ida fiye da rashin amfani. Ba wai za mu biya ƙarin kuɗi don amfani da Android Pay ba, saboda a zahiri irin waɗannan kwamitocin banki ne ke ɗauka. Don haka, ba tare da cajin kwamitocin ba, ƙarin bankuna za su iya yarda su haɗa dandalin Google. Wataƙila da yawa sun riga sun yi shi, tunda idan sun kasance suna son ba da 0,15% ga Apple, me zai hana yin wani abu makamancin haka tare da Google. Amma gaskiyar magana ita ce, wannan zai zama cikas ga duniyar biyan kuɗi ta wayar hannu. Kamar yadda yake tare da Android, Google zai jawo hankalin bankunan da yawa, tunda sabis ɗin ba zai haifar da kowane farashi ba. Kuma bi da bi, wannan zai tilasta Apple ya rage yawan kwamitocin da suka rage don kada bankunan yanke shawarar manta da wadanda ke Cupertino na androids. Koyaya, kwangilar da Apple ya sanya hannu sun kasance na shekaru uku, don haka aƙalla a yanzu, suna da ɗan rata. Ko ta yaya, gaskiyar ita ce, wannan, wanda zai iya zama kamar rashin lahani ga Google, yana nufin cewa akwai ƙananan ƙuntatawa don fara amfani da dandalin a duk faɗin duniya. Kuma watakila wannan yana aiki a cikin yardarmu da farko, kuma a cikin goyon bayan Google idan sun yi nasara a gaban Apple, duk da sun zo daga baya.
Source: Wall Street Journal