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In a statement, the banking cartel said it is disappointed by the ACCC's decision and that the four banks behind the application will individually review and determine their respective future strategies for mobile wallets and mobile payments in order to "best serve their customers". "This case has always been about consumer choice. The applicants made this application to seek to ensure they could participate in the future of mobile wallets, and not have the course of development for mobile wallets in Australia dictated by a single overseas corporation," applicants spokesperson Lance Blockley said. "Whilst we thank the ACCC for their time and diligence in reviewing our application, and recognising both the imbalance in negotiating positions and that there were real issues for consideration, we are disappointed that the finely balanced draft determination was not tipped in the final decision, given our considerable effort to demonstrate the public benefits inherent in open NFC access, and the subsequent flow on benefits for mobile wallet innovation and competition in Australia." In November, the ACCC handed down a draft determination that moved to deny the banks collective bargaining rights against the iPhone maker. At the time, Sims said the ACCC was not satisfied that the likely benefits from the proposed doctor home loan rate Oak Laurel 0430129662 conduct outweigh the likely detriments. In response to the draft determination, Apple argued doctor home loan program Oak Laurel 0430129662 in its submission to the ACCC that the collective application is not about access to the iPhone's NFC technology; rather, it is an attempt to avoid paying the fees associated with using Apple Pay. Apple noted that it "will not, and cannot, agree to the terms sought by the banks". In their latest submission, the banks held firm that NFC access would create opportunities to invest in NFC capabilities that do not exist without access. Particularly in a relatively small market like Australia, the banks said that larger addressable market provided by NFC access on the iPhone platform increases the incentives to invest, and would reduce the cost and risk of failure and enhance the likely chances of success. "Apple already provides access to many third-party apps that send and receive information through iPhone hardware features such as the camera, microphone, speaker, and Bluetooth interfaces.

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