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印度数据本地化监管趋严 Apple Pay进退两难

由于移动支付数据在印度涉及监管的灰色地带,不仅是苹果搁置了其在印度推出基于UPI的支付平台的计划,连Amazon和WhatsApp也暂搁对于类似产品的发布。

据知情人士透露,尽管与少数主要银行和印度国家支付公司(NPIC)进行了相关探讨,但苹果仍然暂缓了Apple Pay在印度的推广步伐。

他们表示,苹果主要担心的是印度储备银行(RBI)近日要求的数据本地化规则,并补充称,公司还遇到与UPI支付流量相关的技术和设计障碍。“苹果目前将不会在印度推广Apple Pay,它在观摩新的监管环境将对市场产生怎样的影响。”

RBI的数据本地化规则要求公司仅在印度境内存储所有支付数据,这使得其他跨国公司的产品计划也不确定,包括Mastercard,Visa,Amazon,WhatsApp和PayPal。

即便是谷歌已经为印度的UPI支付平台制定了积极的计划,它也仍表示其正在评估围绕数据本地化的市场发展情况。

苹果对相关问题并没有做出任何回复。

目前Apple Pay使用范围包括澳大利亚、加拿大、中国大陆、法国、香港、爱尔兰、意大利、日本、新西兰、俄罗斯、新加坡、西班牙、瑞士、英国、美国和台湾。

在阐述设计障碍时,一位银行专家表示,苹果希望将指纹作为UPI支付的认证模式,但NPCI并不同意。UPI要求客户输入六位或四位数字来验证交易。

“NPCI规定只有在UIDAI验证生物识别技术后,才可以通过生物识别验证交易,”银行家表示,“NPCI不允许将设备收集的生物识别技术作为一种认证方式。”

NPCI规定的程序指南明确规定,使用生物识别或虹膜识别认证必须由UIDAI进行验证。

Apple isn’t having a happy time of it in India at present, with falling sales and market share, a threatened ban on iPhones, increased import taxes, and legal requirements preventing it opening Apple Stores there.

Things don’t appear to be getting any better, with the latest report saying that a new law has forced the company to put its planned Apple Pay rollout on hold …

It’s almost a year since Eddy Cue promised that Apple Pay would be coming to India. He said then that the company didn’t want to give a launch date until it was 100% certain, and that’s now looking like a very wise decision.

Economic Times cites two sources saying that Apple has now had to put this plan on hold.

Apple put the brakes on introducing Apple Pay in the country despite holding discussions with a few leading banks and the National Payments Corporation of India (NPCI), which manages the Unified Payments Interface (UPI) platform, said two people with knowledge of the matter.

The main worry for Apple is the Reserve Bank of India’s recent data localisation rule […] that requires companies to store all their payments data only within India.

But there’s reportedly a more fundamental problem too. Apple Pay is authenticated by either Touch ID or Face ID, and the NCPI won’t accept that.

UPI requires customers to enter a six- or four-digit number to authenticate transactions […] NCPI does not allow biometrics collected by devices as a mode of authentication.

The same issues are causing similar headaches for Google, MasterCard, Visa, Amazon, WhatsApp and PayPal.

After China, India is now the world’s second-largest smartphone market – having overtaken the US last year, making it vital to Apple’s future growth that it can operate successfully there.

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