Banks + direct access to hardware
Banks with open access to ANYTHING.
Good luck with that one Australian Androidateers.
The four Australian banks attempting to use iPhones' near-field communications chips for their own payment services, and not Apple Pay, have all-but failed. Australia's Commonwealth Bank, National Australia Bank and Westpac together control about 70 per cent of the nation's credit card market. Together with minnow The Bendigo …
0.15% - there's your figure.
But that is in the States (15c per $100). The percentage is actually lower in the EU.
Apple are not in the financial business, they are not in the 'spying on your phone user's every move' business. They are in the 'user convenience to shift hardware' business less anybody need reminding.