How Much Control Should Apple Have Over Your iPhone and The App Store

Amanda Northrop/Vox

This story is part of a Recode series about Big Tech and antitrust. Over the next few weeks, we’ll cover what’s happening with Apple, Amazon, Microsoft, Meta, and Google. We love our mobile apps. It’s hard to think of something that at least one of the nearly 12 million apps out there can’t do. Order a taxi, buy clothes, get directions, play games, message friends, store vaccine cards, control hearing aids, eat, pray, love … the list goes on.

You might be using an app to read this very article. And if you’re reading it on an iPhone, then you got that app through the App Store, the Apple-owned and -operated gateway for apps on its phones. But a lot of people want that to change.

Apple is facing growing scrutiny for the tight control it has over so much of the mobile-first, app-centric world it created. The iPhone, which was released in 2007, and the App Store, which came along a year later, helped make Apple one of the most valuable companies on the planet, as well as one of the most powerful. Now, lawmakers, regulators, developers, and consumers are questioning the extent and effects of that power — including if and how it should be reined in.

Efforts in the United States and abroad could significantly loosen Apple’s grip over one of its most important lines of business and fundamentally change how iPhone and iPad users get and pay for their apps. It could make many more apps available. It could make them less safe. And it could make them cheaper.

The iPhone maker isn’t the only company under the antitrust microscope. Once lauded as shining beacons of innovation and ingenuity that would guide the world into the 21st century, Apple is just one of several Big Tech companies now accused of amassing too much power over parts of the economy that have become as essential as steel, oil, and the telephone were in centuries past.

These companies have a great deal of control over what we can do on our phones, the items we buy online and how they get to our homes, our personal data, the internet ecosystem, even our online identities. Some believe the best way to deal with Big Tech now is the way we dealt with steel, oil, and telephone monopolies decades ago: by using antitrust laws to place restrictions on them or even break them up.

And if our existing laws can’t do it, legislators want to introduce new laws that target the digital marketplace. In her book Monopolies Suck, antitrust expert Sally Hubbard described Apple as a “warm and fuzzy monopolist” when compared to Facebook, Google, and Amazon, the other three companies in the so-called Big Four that have been accused of being too big.

It doesn’t quite have the negative public perception that its three peers have, and the effects of its exclusive control over mobile apps on its consumers aren’t as obvious. For many people, Facebook, Google, and Amazon are unavoidable realities of life on the internet these days, while Apple makes products they choose to buy.

But more than half of the smartphones in the United States are iPhones, and as those phones become integrated into more facets of our daily lives, Apple’s exclusive control over what we can do with those phones and which apps we can use becomes more problematic. It’s also an outlier; rival mobile operating system Android allows pretty much any app, though app stores may have their own restrictions.

Apple makes the phones. But should Apple set the rules over everything we can do with them? And what are iPhone users missing out on when one company controls so much of their experience on them?

Apple’s vertical integration model was fine until it wasn’t

Many of the problems Apple faces now come from a principle of its business model: Maintain as much control as possible over as many aspects of its products as possible. This is unusual for a computer manufacturer. You can buy a computer with a Microsoft operating system from a variety of manufacturers, and nearly 1,300 brands sell devices with Google’s Android operating system.

But Apple’s operating systems — macOS, iOS, iPadOS, and watchOS — are only on Apple’s devices. Apple has said it does this to ensure that its products are easy to use, private, and secure. It’s a selling point for the company and a reason some customers are willing to pay a premium for Apple devices…Continue reading

Source: How much control should Apple have over your iPhone and the App Store? – Vox

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Related contents:

9to5Mac Daily: December 8, 2022 – More Apple security news and the FBI’s response 9to5Mac

23:33 Thu, 08 Dec
 
 
 
 
00:00 Tue, 06 Dec
 
 
 
 
 
 
 
 

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You can use social media platforms to promote your business products and services if you plan to do business digitally and want to reach more people. With Zapable, browsing social media pages is a breeze.

Facebook – By linking your Facebook page to your Zapable app, you can connect with your customers, review messages, and reach more targeted audiences.

Twitter – With your Twitter feed, you can display the newest and most recent tweets to your users.

Instagram – Display your Instagram posts within Zapable and you will be able to see how many people engaged with your posts.

Flickr- Stream your photos from the Zapable app using our seamless integration.

Create a perfect directory for real estate, tourist apps, and more

There are quite a few features built into Zapable, and it suits different types of businesses individually. Your clients can also book appointments and receive push notifications through our mobile app.

The Listing Page – With this software, you can create an online listing page where you can add information such as images, videos, descriptions, and more.

Location Finder – Even with a location finder, you can add multiple locations, making it easy to find your ads based on their proximity.

Social interaction – A simple link to social networks will do the trick.

Integrate with email service providers to increase email subscribers

Your business needs Zapable software if you want to increase your email subscribers. Apart from building mobile apps, it also offers popular email marketing integrations. A Zapable mobile app can integrate with a variety of email providers, including Aweber, InfusionSoft, GetResponse, and MailChimp.

To use the Zapable App Builder, a laptop or mobile device must be installed. Zapable helps business owners build mobile apps on Android or iOS without understanding any coding or decoding. As a result of this software, the business owner can also develop an application for the benefit of his business.

It will increase user engagement. Your audience can interact with Zapable in countless ways. Surveys, loyalty cards, and discount coupons are just a few. By integrating Branding and Management with your site, you can interact directly with your visitors. Zapable offers tutorials on how to master each feature of the online tool. In this way, you can design an application that uses all the features. Also, you can maximize the effects of each feature by using them optimally.

A developer can publish their app directly to the Google Play Store and the Apple App Store. A built-in iOS editor is also available within Zapable. Post various types of content, such as images, audio, blogs, news, reviews, and videos, that people can interact with. Also, all of this can be published within the app itself.

Vendors or affiliates may sell products. You can integrate your Amazon Affiliate product store into your mobile app built by Zapable if you are an Amazon influencer or affiliate. Protect your app by limiting access. Anyone who wants to can download the app and access it. Also, ask them to sign up for your channel, newsletter, etc. before downloading your app. A call to action should be added. You can let your customers use the app to shop, book appointments, reserve tables, contact you, and find you.

Source: https://zapable.com

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Apple Partners With Goldman Sachs To Introduce High-Yield Savings Accounts For Apple Card Holders

Image Credits: Apple

Apple is taking a big step toward offering more banking services to its customers. The company announced today it’s partnering with Goldman Sachs to soon launch a new Savings account feature for its Apple Card credit cardholders which will allow them to save and grow their “Daily Cash” — the cashback rewards that are earned from their Apple Card purchases.

In the months ahead, Apple says cardholders will be able to automatically save this cash in a new, high-yield Savings account from partner Goldman Sachs which is accessible with Apple Wallet. Customers will be able to transfer their own money into this account, as well.The account will have no fees, minimum deposits or minimum balance requirements, Apple notes, which would make the account somewhat competitive with a variety of neobanks which are often used as a way for customers to park their digital cash and earn money through interest payments.

Apple, in its press release this morning, did not yet say what interest rate would be paid out on these high-yield accounts, however. Currently, competitors are offering APY’s in the range of 2.20%-3.05%, per data from Bankrate. Some are going even higher, Investopedia data indicates, citing APYs topping 3.1% at present. (Apple noted it’s not prepared to announce the APY due to the particularly dynamic interest rate environment at present.)

When the new offering launches, Apple Card users will be able to set up and manage their Savings account directly in the existing Apple Wallet mobile app. From that point forward, all the Daily Cash they earn through Apple Card purchases will be automatically deposited into this account, unless customers change this to instead have the cash added to their Apple Cash card in Wallet, as they do today. This option can be switched at any time, Apple says.

An in-app Savings dashboard will display the account balance and interest accrued over time.Currently, Apple pays 3% cashback on Apple Card purchases made using Apple Pay at select merchants, including Apple itself, as well as Uber/Uber Eats, Walgreens, Nike, Panera Bread, T-Mobile, ExxonMobil, and Ace Hardware. Apple Card purchases will receive 2% cashback when Apple Pay is used and 1% back when the titanium card is used or when a virtual card number is used to shop online.

Cardholders won’t have to rely only on their Apple Card purchases to fund their new Savings accounts, however. Apple says that customers will be able to deposit additional funds through a linked bank account or their Apple Cash balance. They can also withdraw this cash at any time, by transferring it back to that same linked bank account (or any linked bank account) or their Apple Cash card, without having to pay fees.

With the launch of the Apple Card, Apple has been moving steadily into the payments market, allowing it to establish a more direct connection with its customers as it ramps up its “services” business, which sees it selling subscriptions to a variety of offerings, including Apple Music, Apple TV+, Apple Arcade, iCloud+, Apple News+, Apple Fitness+ and more. It’s also looking to make Apple Pay a more viable option for shopping online, with news that it will introduce an Affirm competitor, Apple Pay Later, for splitting up purchases into four interest-free payments.

This offering is delayed until 2023, however, Bloomberg reported. Meanwhile, Goldman Sachs has been moving towards becoming a more conventional bank, with its Marcus by Goldman Sachs product, which announced last year it had reached a milestone of over $100 billion in customer deposits after five years of operation. The partnership with Apple will give it another angle into the consumer deposits market.

Apple didn’t offer an exact launch date for its high-yield Savings account, either, saying only it would arrive in the “coming months.” The company said the Savings account feature will ship with an upcoming iOS release, but could not detail which version number will include the option.

“Savings enables Apple Card users to grow their Daily Cash rewards over time, while also saving for the future,” said Jennifer Bailey, Apple’s vice president of Apple Pay and Apple Wallet, in a statement. “Savings delivers even more value to users’ favorite Apple Card benefit — Daily Cash — while offering another easy-to-use tool designed to help users lead healthier financial lives.”

By:

Source : https://techcrunch.com/

Related News:

Apple Card users will soon be able to open a free Savings account at Goldman Sachs Phone Arena

Apple Card gains savings account GSMArena.com

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Apple Removes A Trading App Linked To Crypto Scams From The App Store

A screen shows bitcoin's price going up and down

A popular smartphone app used to conduct foreign exchange transactions known as MetaTrader (or MT4 or MT5, depending on the version), was quietly removed from Apple’s App Store last Friday. As of this writing, the app remains available on the Google Play store.

The app, which is made by a Cypriot-based company called MetaQuotes, has been used to perpetrate a new type of cryptocurrency scam, known as pig butchering, where a scammer builds a longer term relationship with their victim before convincing them to invest money over time. A key element of the scam is the use of manipulated cryptocurrency apps and websites, which purport to show the victim that they’re making money off their investment, when in fact the scammer has taken everything.

Apple’s ban of MetaTrader comes two weeks after Forbes profiled one California-based scam victim, who lost over $1 million last year. This victim, known as Cy, made all of his purported trades on the MetaTrader app, which showed him fictitious returns. At the time, Apple spokesperson Adam Dema said the company was investigating MetaTrade and was looking into additional action to protect App Store users if necessary.

MetaQuotes did not respond to Forbes’ request for comment. Daniel Delnero, an Atlanta-based attorney with Squire Patton Boggs, who informed Forbes late Sunday evening that his firm is now representing MetaQuotes, did not respond to Forbes’ request for comment by press time. The company had not previously responded at all to multiple emails sent to company email addresses. No phone numbers are listed on its Contacts page for any of the company’s multiple offices around the world.Neither Apple nor Google responded to requests for comment.

Existing installs of MetaTrader on iOS devices continue to function. However, there are some reports on Twitter of users claiming to sell iPhones with the app pre-installed for $15,000 in one case, or a “starting price” of 5,000 British pounds, or “$10k OBO,” an abbreviation for “or best offer.”As Forbes previously reported, MetaTrader, which offers licenses for its software, does enable legitimate trade by actual brokerages. It is an agnostic trading platform, one that is used by mainstream foreign exchange traders like Oanda.

But according to the Global Anti-Scam Organization (GASO), a scam victims’ advocacy group, MetaTrader also allows licensees to use a particular plug-in, known as Virtual Dealer, which can be used by scammers to “manipulate those market prices, and simulate account balances, profits or losses. Everything looks and feels real, but it’s all a fabrication,” according to a report from GASO.

MetaTrader has provided no explanation as to how unscrupulous actors can use the software to illustrate fake trades, nor what actions, if any, it has taken to mitigate this behavior. In July, the chairman of the Senate Banking Committee, Sen. Sherrod Brown, wrote letters to Apple CEO Tim Cook and Google CEO Sundar Pichai about how the companies are evaluating and ultimately allowing the proliferation of fake crypto apps in their app stores.

News of the app’s removal was first reported by FX News Group and Finance Magnates on Saturday. In a WhatsApp text message sent late Sunday evening, Cy, the victim who has still been unable to recoup any of his losses, said he was pleased that Apple had removed the trading app. He had previously told Forbes that a large part of why he was convinced to download it was that it had positive reviews and could be found on Apple’s App Store.

“It’s about time,” he wrote. “How many other victims occured before our voices were heard! [It’s] the right thing to do. But [it] doesn’t make me feel any good as the damage has been done.” Jan Santiago, GASO’s deputy director, said the organization was “glad” for the app’s removal.

“If MetaTrader won’t do anything on the grave issues raised by users who trusted them, then the responsibility falls on platforms like Apple and Google Play store that list MetaTrader,” he wrote in an email.

UPDATE Sept. 28: This story has been updated to clarify how MetaTrader was used in relation to these scams.

I cover Silicon Valley — in particular surveillance technology and artificial intelligence — from beautiful Oakland,

Source: Apple Removes A Trading App Linked To Crypto Scams From The App Store

Critics by

Perhaps one of the most notable mentions of crypto from Apple was in September 2019. when Apple Pay’s VP Jennifer Bailey said the company was “watching cryptocurrency” and strongly believes it has “interesting long-term potential.”In February 2020, Apple hired Jeff Bronikowski, Warner Music’s former head of technology innovation, who was working on a number of the blockchain efforts to create digital assets using a public blockchain called Flow .

Then on November of 2021, when asked by Andrew Ross Sorkin of New York Times if Apple would consider accepting cryptocurrency through Apple Pay, Tim Cook replied that crypto is “something that we’re looking at.” The statement is broad, but regardless, positive. In February of 2022, Apple unveiled its new Apple Pay feature that will enable millions of merchants across the U.S., to use their iPhones to seamlessly, instantly, and securely accept payments simply by tapping their iPhones. It’s called Tap To Pay and it can also be potentially used to transact crypto.

In late March of 2022, MetaMask, one of the most used crypto wallets, which has surpassed 30 million monthly active users as of January, has announced its support for Apple Pay so people can buy crypto directly from their wallets. Around the same time MetaMask announced their Apple Pay integration, this job posting below for a Senior Legal Counsel position with expertise and experience on blockchain, digital assets, and payment platforms is seen on Apple’s website. Notice the timing of the job posting and the highlighted key qualification.

This is a great sign that Apple is looking closely into integrating crypto features and functionalities like Ethereum wallets or crypto payments into Apple Pay & Wallet. It’s also worth mentioning that Apple acquired UK-based fintech startup, Credit Kudos bringing a range of payment functions in-house. Among many other things, cryptocurrency can entirely change how people buy products, save or invest money, and pay their bills. Combining these with Apple’s platform, they have the potential to help billions of users have a frictionless banking and payment experience.

Is the Cupertino giant next in line to support crypto? Rumors and hints point in that direction, but there’s a bigger picture. Apple is in a unique and powerful position to best support crypto today. Here’s why. Apple is a $2.7 trillion cap behemoth with more than 1 billion active iPhone users as of February of 2022. This means billions of people follow their software and hardware ecosystem and hundreds of thousands of people wait in excitement for their Keynote events and product releases. Though still in the early innings, there are strong signs that crypto and blockchain use cases are gaining prominence through mobile phones.

Specifically, Apple’s iPhone could be the key not only to onboard people into crypto, but to also help them understand the possibilities of transacting on a decentralized, permissionless, and transparent network. People will find it intriguing and enticing. The cool detail? People might not even need to know how crypto technology works behind the scenes. The Cupertino company has a reputation for abstracting complex technologies into simple and easy to use products.

This is one of the reasons why Apple has garnered a cult-like following over the decades in addition to their Oscar-worthy marketing and advertising efforts. This is the power of Apple. If there’s one ecosystem that will accelerate crypto’s adoption, it will be Apple’s. How? Through seamless integrations through their products, worldwide reach, and cult-like following.

Almost in every Keynote presentation, Apple CEO Tim Cook never fails to mention one important statement, “Apple believe that privacy is a fundamental human right” and they believe that users should have control of all of their data. What does this mean for crypto? Well, crypto is all about privacy, security, and transparency. In the crypto world, people have control all over their assets and there are no middlemen in between. Apple can promise trust in transactions, account protection, and ease of use by reducing cost and time for consumers when they need access to the financial banking system.

This means more market penetration while maintaining privacy, security, and transparency. In addition, Clifford Rossi, an executive-in-residence and professor in the Robert H. Smith School of Business at the University of Maryland’s Finance Department said that having a digital or crypto wallet and its own stable coin or a crypto pegged to the price of a fiat currency, could give Apple a competitive advantage over other retailers and will increase the competitive landscape of the personal banking and payment processing industry.

Another way Apple can help with crypto is the storing of private keys and seed phrases in iCloud tied with their multi-factor authentication. This will enhance the security of your sensitive crypto wallet information. Apple always does the right thing when it comes to the privacy and security of its users. The same goes for the crypto route. One popular use case of cryptocurrency is helping the ‘unbanked’ or people that are not served by financial institutions, gain to access to banking solutions which is common among developing nations.

According to several statistics, nearly 2 billion people globally still have no access to financial services. That’s like one-fourth of the world population. One day, people don’t have to go through a lengthy process just to apply for a bank account which requires a lot of documents to submit, which then can take weeks to get a result. Just imagine how hassle it will be if you’re in desperate need of money for emergency expenses. Cryptocurrency is giving people a chance to better their lives, increase their earnings, and stash savings for the future.

Apple dominates the world of tap and go payments and with more than $200 billion cash in hand, they could shake up the fintech world with an Apple Card expansion, checking accounts, international payments, and crypto wallets. Cryptocurrency is giving people in less fortunate situations instant access to money with a click of a button. There’s no need to wait for days, no expensive fees, and no need to go through a lengthy bank application process. The majority of the financially excluded individuals still live in developing nations, so for financial inclusion, cryptocurrency adoption is essential.

One quality that makes Apple great as a company is that they approach problems through design thinking. This is the same for today and for the 1980s when Steve Jobs was revolutionizing personal computing. Through the decades, Apple has built a unique reputation as an extremely design-driven company. For instance, they don’t refer to their users as “users”, but instead as “humans”. As highlighted in their human interface guidelines, which is a guideline adopted by people that work at Apple.

To that point, the current state of Web3 products has room for more design iterations due to a lackluster user experience design. This is due to the developers creating for other developers mindset and that the entire ecosystem is still in early-stage, which means there are a lot of changes. It’s also worth highlighting that Apple always turns something that seems boring and dull into something fashionable and sexy. They did that with the personal computer, iPod, iPhone, iPad, and now maybe crypto.

If and when Apple does crypto, they have the potential to set an industry standard for Web3 design by applying their own touch of Apple design. For this reason, they’re in an even stronger position to bring millions of people into crypto and even educate people about the entire Web3 ecosystem. Should we expect any crypto-related announcement from them anytime soon? As Tim Cook said, Apple thrives in its culture of secrecy, so less likely. However, we know one thing for sure, Apple never backs down on innovations that have the range to change people’s lives for the better..

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Related contents:

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Apple Security Flaw Could Let Hackers Control iPhones, iPads And Macs What You Need To Know And How To Fix It

Apple has warned of serious security flaws for iPhones, iPads and Macs that could allow hackers to take complete control of devices and may have been “actively exploited,” urging customers to update their devices as soon as possible in a rare admission from the tech giant that takes pride in its security measures.

Apple dropped two surprise software updates on Wednesday to fix major security vulnerabilities it said could allow hackers to take complete control of users’ devices.

Updates have been made available to affected devices, which include the iPhone 6s and later models, all iPad Pro models, the iPad Air 2 and later, the iPad 5th generation and later, the iPad mini 4 and later, the iPod touch 7th generation and Mac computers running macOS Monterey.

Security experts have urged affected users to update software swiftly in order to fix the flaw and secure their devices.To update software on an iPhone, iPad or iPod touch—either iOS 15.6.1 or iPadOS 15.6.1—go into “Settings,” tap “General,” then “Software Update” and “Download and Install.”To update a Mac running macOS Monterey, go to “System Preferences,” then “Software Update” and hit “Update Now” or “Upgrade Now.”

Apple did not disclose how many people had been affected by the vulnerabilities but said it is aware of credible reports that both had been “actively exploited.”

How the vulnerabilities were discovered. Apple provided few details on how it became aware of the flaws or who had made the discoveries, crediting both to anonymous researchers. There have been no confirmed reports so far of cases where the vulnerabilities were used against users or their devices. In its security reports, Apple said it does not disclose, discuss or confirm any security issues until after an investigation has occurred and patches are available.

Vulnerabilities discovered before the producer, in this case Apple, is aware of them are known as zero-day vulnerabilities, referring to the fact that the creator has zero days warning to counter it. Such flaws can be extremely valuable and both hackers and vendors will pay large sums of money to get ahold of them. While serious flaws have been exploited to spy on users through smartphones—Israeli firm NSO Group has allegedly hacked high-profile journalists and world leaders—they are often directed at high-profile individuals rather than the public at large.

I am a senior reporter for the Forbes breaking news team, covering health and science from the London office.

Source: Apple Security Flaw Could Let Hackers Control iPhones, iPads And Macs—What You Need To Know And How To Fix It

Critics by By Tom Gerken

The tech company said the new software “provides important security updates and is recommended for all users”. The flaw could allow hackers to take complete control of affected devices, industry experts have suggested. The update has been made available to iPhone 6s and later, iPad Pro, iPad Air 2 and later and iPad 5th gen and later.

It is also available to the iPad mini 4 and later versions and the iPod touch (7th generation). Mac users running macOS Monterey are also being encouraged to update. Apple said hackers used the flaw to infiltrate WebKit, the engine that powers Apple web browser Safari. The technology company said the exploit could be used by hackers if the user accessed “maliciously-crafted web content”.

There have so far been no confirmed reports of specific cases where the security flaw has been used against people or devices. Software updates are an everyday (and sometimes irritating) part of our modern tech lives, but this is one update not to ignore. The cyber-security world is rightly concerned about the potential power hackers could wield if they target a device that is vulnerable to this attack.

So it’s sensible to check the settings on your Apple gear and install the patch. Even better – turn on automatic updates. For the vast majority of users there is nothing to panic about as there is no suggestion that hackers have exploited the security loophole to launch mass attacks against the general public. It also has to be said that the outcry on social media about the security update is possibly overblown.

Apple has released similar emergency security updates throughout the year – most recently in March – without much fanfare or panic.

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In the News: Deadly Plane Crash, Apple Security, Inspiring Swim NBC Bay Area, California

What you need to know after Apple issues security warning Fox News – YouTube

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Security researcher claims iOS VPN ‘broken’, Apple says issued a fix The Business StandardFears hackers could exploit security weakness in Apple devices SBS

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