However, many issues, including those relating to personnel and strategic direction, need to be clarified. Some stakeholders consider this effort to be too great.
Different smartphone operating systems are also a problem. With iPhones, the Girocard can currently only be deposited with Apple Pay. Only savings banks have taken this route so far.
Depositing in Giropay would currently only be possible with Android. Here, however, there is the problem that a separate app is needed to confirm payment. Many banks don’t have it yet.
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