applepay

David Ginsburg, Eric Bolden, Brian Flanagan-Arthurs, Mike Potter, Web Bixby, Jeff Gamet, and Jim Rea finish off this MacVoices Live! session with a discussion of Apple’s financial services efforts. They include the newly launched Apple Pay Later, a high-yield savings account, and the ever expanding Apple Pay. How the ease of use and integration with Apple’s ecosystem make them all attractive options in a changing banking landscape that focuses less on physical locations are covered by the panel. (Part 3)

Kolide ensures only secure devices can access your cloud apps. It’s Zero Trust tailor-made for Okta. Book a demo today at Kolide.com/macvoices.

This edition of MacVoices is supported by Collective, an all-in-one financial solution for the self employed. Make your S Corp Election by  June 30th and save thousands at Collective.com.

Show Notes:

Links:

Apple launches its new high-yield Savings account with 4.15% APY
https://www.imore.com/apple/apple-launches-its-new-high-yield-savings-account-with-415-apy

Best high-yield savings accounts in May 2023
https://www.bankrate.com/banking/savings/best-high-yield-interests-savings-accounts/

Apple Pay Holdout Kroger Begins Accepting Apple’s Contactless Payment Following Years of Holding Out
https://www.mactrast.com/2023/04/apple-pay-holdout-kroger-begins-accepting-apples-contactless-payment-following-years-of-holding-out/

Is it legal for a business in the United States to refuse cash as a form of payment?
https://www.federalreserve.gov/faqs/currency_12772.htm

NAB Show Video On Demand Monday, April 17
https://nabshow.com/2023/video-on-demand-monday/

Guests:

Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn.

Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, and on his blog, Trending At Work.

Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud.

Mark Fuccio is actively involved in high tech startup companies, both as a principle at piqsure.com, or as a marketing advisor through his consulting practice Tactics Sells High Tech, Inc. Mark was a proud investor in Microsoft from the mid-1990's selling in mid 2000, and hopes one day that MSFT will be again an attractive investment. You can contact Mark through Twitter, LinkedIn, or on Mastodon.

Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer’s Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet.

David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud

Michael Potter  is the Executive Producer of For Mac Eyes Only, and the organizer of the annual Macstock Conference and Expo. Mike's love-affair for all things Apple began in his Junior High's Library playing Lemonade Stand on a pair of brand new Apple ][+ computers. His penchant for Apple gear continued to be nurtured by the public school system when, in High School, he was hired as a lab supervisor to help run the Apple ][e lab for his fellow students and their Print Shop needs. Then, further still, in college he often opted to help a friend with her Computer Graphics coursework instead of focusing on his own studies, but only because it helped get him closer to the Mac-lab.

Jim Rea has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. Follow Jim at provue.com and via @provuejim on Twitter.

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Our “About An Hour With Jeff Carlson on Apple Watch” has the author of Take Control of Apple Watch discussing Apple Pay and Apple Watch, the inevitable watch bands, and what he does pretty much every day on his watch. Jeff also discusses watch face customization and some of the options available. (Part 2) 

This edition of MacVoices is supported by The MacVoices Slack. Available to silver, gold, and platinum Patrons of MacVoices. Sign up at Patreon.com/macvoices.

Show Notes:

Links:

Ocean Apple Watch Band
https://www.apple.com/shop/product/MQEC3AM/A/49mm-yellow-ocean-band

Clockology
https://apps.apple.com/us/app/clockology/id1456386228

Watchsmith
https://apps.apple.com/us/app/watchsmith/id1483088503

Guests:

Author and photographer Jeff Carlson (@jeffcarlson, jeff@necoffee.com) is a columnist for the Seattle Times, a contributing editor at TidBITS (tidbits.com), and writes for publications such as Macworld and Photographic Elements Techniques. He is the author of The Connected Apple Family, The iPad for Photographers, Third Edition, iPad & iPhone Video: Film, Edit, and Share the Apple Way, and Take Control of Your Digital Photos on the Mac, among many other books. He believes there's never enough coffee, and does his best to test that theory. You can find him podcasting about photography on both PhotoActive and Photocombobulate. He is also authoring a computational photography column at PopPhoto.com.

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This MacVoices Live! session wraps up as Chuck Joiner, David Ginsburg, Jim Rea, and Warren Sklar continue their disagreement over the Apple Wallet app being able to be removed from the iPhone. That leads to a discussion of Apple Pay and other mobile payment platforms being available on competing platforms, and why that isn’t necessarily a good idea. The panel wraps up covering the announcement that Spotify is getting into audiobooks and how they are trying to differentiate the offering. (Part 3) 

This edition of MacVoices is supported by NordVPN. Get secure and private access to the Internet with a special deal at NordVPN.com/macvoices.

This edition of MacVoices is supported by Kolide. Kolide is a fleet visibility solution for Mac, Windows, and Linux that can help you securely scale your business. Learn more here.

Show Notes:

Links:

Spotify dives into audiobooks with a library of over 300,000 titles
https://www.engadget.com/spotify-audiobooks-us-130051256.html

Spotify’s Audiobook Pricing Puts it in the Middle of the Pack
https://www.bloomberg.com/news/newsletters/2022-09-22/spotify-s-audiobook-pricing-puts-it-in-the-middle-of-the-pack

Guests:

David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65.

Jim Rea has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. Follow Jim at provue.com and via @provuejim on Twitter.

Warren Sklar helps host the Mac to The Future Group on Facebook, and is the co-host of In Touch With iOS with David Ginsburg.

Support:

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The MacVoices Live! panel of Chuck Joiner, Jim Rea, David Ginsburg, Warren Sklar, Mark Fuccio, and Jeff Gamet take a look at the cancellation of Spotify’s Car Thing, and whether it is a symptom of what seems to be their “quick hit” mentality. The discussion then turns to Apple Pay, and a claim that they are overcharging the banks and credit card companies. (Part 1) 

This edition of MacVoices is brought to you by the MacVoices Dispatch, our weekly newsletter that keeps you up-to-date on any and all MacVoices-related information. Subscribe today and don't miss a thing.

Show Notes:

Links:

Spotify's weird 'Car Thing' CarPlay rival is now a discontinued thing on iMore:
https://www.imore.com/accessories/spotifys-weird-car-thing-carplay-rival-is-now-a-discontinued-thing

Pandora
http://pandora.com

Complaint: Apple Pay charges card companies monopoly rents by Philip Elmer-DeWitt on Apple 3.0:
https://www.ped30.com/2022/07/19/apple-pay-monopoly-rents/

Guests:

Mark Fuccio is actively involved in high tech startup companies, both as a principle at piqsure.com, or as a marketing advisor through his consulting practice Tactics Sells High Tech, Inc. Mark was a proud investor in Microsoft from the mid-1990's selling in mid 2000, and hopes one day that MSFT will be again an attractive investment. You can contact Mark through Twitter on LinkedIn.

Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer’s Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, and jeffgamet on LinkedIn., and on his YouTube Channel at YouTube.com/jgamet.

David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65.

Jim Rea has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. Follow Jim at provue.com and via @provuejim on Twitter.

Warren Sklar helps host the Mac to The Future Group on Facebook, and is the co-host of In Touch With iOS with David Ginsburg.

Support:

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When do the benefits of buy now, pay later (BNPL) payment plans outweigh the risks?

Welcome to Financially Well, the finance podcast for Millennials. In this episode, Kevin Mahoney, CFP® will discuss the incentives and psychology behind the buy now pay later (BNPL) purchase option. Kevin, who specializes in financial planning for Millennial parents, will talk about how, with BNPL coming to Apple Pay, we all would be wise to think through the tradeoffs in advance.

The MacVoices Live! panel of David Ginsburg, Guy Serle, Jeff Gamet, Brittany Smith, Jim Rea, Andrew Orr, Mark Fuccio, Kelly Guimont, Warren Sklar, and Jay Miller get even more intense in their evaluation of Apple’s announcement about accepting NFC payments on the iPhone. The panel strongly disagrees on whether this is a relevant development, and who will or won’t use it and why. (Part 3) 

MacVoices is supported by New Relic. Get access to the whole New Relic platform and 100GB of data free, forever – no credit card required! Sign up at

MacVoices is supported by Truebill. Get control of your subscriptions at TrueBill.com/macvoices.

Show Notes:

Links:

Apple empowers businesses to accept contactless payments through Tap to Pay on iPhone

Guests:

Jeff Butts writes for The Mac Observer, HowToGeek, and more. He is a tech advocate who can be reached on Twitter as @clefmeister.

Mark Fuccio is actively involved in high tech startup companies, both as a principle at piqsure.com, or as a marketing advisor through his consulting practice Tactics Sells High Tech, Inc. Mark was a proud investor in Microsoft from the mid-1990's selling in mid 2000, and hopes one day that MSFT will be again an attractive investment. You can contact Mark through Twitter on LinkedIn.

Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer’s Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, and jeffgamet on LinkedIn., and on his YouTube Channel at YouTube.com/jgamet.

David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65.

Kelly Guimont is a podcaster and friend of the Rebel Alliance. She hosts the Daily Observations Podcast at MacObserver.com, and appears on The Incomparable network as well as hosts I Want My M(CU) TV. You can also hear her on The Aftershow with Mike Rose, and she still has more to say which she saves for Twitter.

Jay Miller is a Developer Advocate and Podcaster based in San Diego, Ca. A multipotentialite, Jay enjoys finding unique ways to merge his fascination with productivity, automation, and development to create tools and content to serve the tech community.Hear him on his podcast, Conduit and Youtube.com/kjaymiller or checkout his web site at kjaymiller.com.

Andrew Orr is a freelance writer and amateur photographer. He loves Apple products and enjoys writing and sharing all things tech. When he's not writing about Apple, you can often find him snapping photos with his iPhone. Read what he writes at The Mac Observer, and follow him on Twitter.

Jim Rea has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. Follow Jim at provue.com and via @provuejim on Twitter.

Guy Serle, best known for being one of the co-hosts of the MyMac Podcast, sincerely apologizes for anything he has done or caused to have happened while in possession of dangerous podcasting equipment. He should know better but being a blonde from Florida means he's probably incapable of understanding the damage he has wrought. Guy is also the author of the novel, The Maltese Cube. You can follow his exploits on Twitter, catch him on Mac to the Future on Facebook, and find everything at VertShark.com.

Warren Sklar helps host the Mac to The Future Group on Facebook, and is the co-host of In Touch With iOS with David Ginsburg.

Brittany Smith is a cognitive neuroscientist who provides a variety of consulting services through her business, Devise and Conquer that includes ADD/ADHD coaching, technology coaching, productivity consulting, and more. She is a self-designated “well-rounded geek”, and holds a M.S. degree in Cognitive Neuroscience. She can be found on Twitter as @addliberator. Check out her latest project, a YouTube channel of tech tips.

Support:

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Question of the day: What is a sandwich?

Topic 1: Apple Pay . . . Again

The headline says Apple lost … but the article makes it clear that Epic is the one who is disappointed and is appealing.

Let see: Epic violated their agreement and owes Apply $3.5 Million. But Apply can’t have those kinds of agreements going forward. And Apple’s not a monopoly.

Seems confusing, but it does mean there will be other options to pay for in-app purchases on AppStore apps to work around Apple. But Epic still doesn’t think that is enough. Let the lawyer games begin.

Link:
https://www.theverge.com/2021/9/10/22662320/epic-apple-ruling-injunction-judge-court-app-store 

Topic 2: Microsoft Study Finds Problems with Employee Productivity in Remote Work

In a study or more than 60,000 employees, Microsoft find that the shift to remote work has hurt communication and collaboration. A separate study shows that individual workers feel better supported by bosses than ever before. The first finding looks bad for employee productivity and long-term innovation; the second suggest happier, more productive workers.

Note: Microsoft also announce that employees won’t be returning to the office in October as expected.

Link:
https://www.geekwire.com/2021/study-microsoft-employees-shows-remote-work-puts-productivity-innovation-risk/ 

Topic 3: Cybersecurity Vulnerability Could Now Impact a Business’ Credit Rating … Things are Getting Serious!

Startup BitSight generates reports on the likelihood that an organization will be breached. They just received a $250 million investment Moody’s. Moody's provides corporate "credit rating" information. In your future: Credit ratings base on Cybersecurity preparedness.

Link:
https://techcrunch.com/2021/09/13/bitsight-raises-250m-from-moodys-and-acquires-cyber-risk-startup-visiblerisk/ 

Sponsor note:

Threats to client data constantly evolve, so your strategies must evolve too …but knowing where to get good guidance isn’t always easy.

Well, nowhere will you hear more helpful insights from leading cyber protection experts than at the Acronis #CyberFitSummit. I’m going again –this year in-person, in Miami – and you should join me. Experts like Erick Simpson; Larry Walsh; and Acronis’ Amy Luby will show you how to boost profits, reduce risk, and improve your team’s productivity, as well as the latest cybersecurity strategies, technologies, and processes. In person and online,
Learn more about the Acronis #CyberFit Summit World Tour at https://Acronis.events 

:-)

Topic 1: CISA Guidelines for MSP Clients

Like it or not, the US Government has defined Managed Services, and published guidelines for your clients and prospects to evaluate you! We expect a lot of heat - and maybe some light - to come out of this document.

Related Links:
- https://us-cert.cisa.gov/ncas/current-activity/2021/09/03/cisa-insights-risk-considerations-managed-service-provider 

- https://www.cisa.gov/sites/default/files/publications/cisa-insights_risk-considerations-for-msp-customers_508.pdf 

Topic 2: Forcing options to Apple Pay and Google Pay

In the continuing saga of Apple (and others) forcing app developers to use their pay systems, the government of South Korea has decided that Apple and Google cannot force game makers and others to use only their payment gateways. This is, of course, the beginning of other nations jumping into fray.

We comment - including how this might affect potential lawsuits in the US.

Link:
- https://www.cnbc.com/2021/08/31/south-korea-first-country-to-curb-google-apples-in-app-billing-policies.html 

Topic 3: Tesla building their own chip to train self-driving vehicles

What? Tesla joins the chip-making industry - because they can't buy the chips they need! Is this a sign of impending disruption for Intel, AMD, and others? Tesla has a unique demand, given the specific requirements of their autonomous vehicle strategy. And if they can't buy chips elsewhere, they're going to make their own - for now.

Link:
https://link.wired.com/view/5e3f0a597e553f71453d575deurb4.7s9/5a9cf463 

-- -- --

Sponsor Note:

Think you know PC Matic? Think again.

PC Matic is working with MSPs to deliver true zero trust/default deny endpoint security.

Allowing only trusted applications and blocking all the rest. A light weight, simple to deploy & easy to manage approach to application allowlisting.

Layering a default deny approach provides MSPs of all sizes the ability to again focus on prevention, and PC Matic delivers this without impacting performance or efficiency.

Find out more about by visiting https://pcmatic.com/MSP 

Be sure to ask about PC Matic's exclusive lead sharing program for MSPs backed by a prime time national TV campaign.

:-)

The MacVoices Live! discussion of extra wide and multiple monitors wraps up, and then the panel of David Ginsburg, Jeff Gamet, Jay Miller, Jim Rea, Kelly Guimont, and Mark Fuccio look at host Chuck Joiner’s inability to wear his Apple Watch for almost two weeks, and the effect it had. They share their uses and experiences with Apple’s wearable (which are more diverse than you might think), and why at least some don’t want to go without it. (Part 2) 

This edition of MacVoices is brought to you by the MacVoices Dispatch, our weekly newsletter that keeps you up-to-date on any and all MacVoices-related information. Subscribe today and don't miss a thing.

Show Notes:

Links:

Air Visual

Tapioca Apple Watch Bands

Guests:

David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. He is also President of the Suburban Chicago Apple Users Group. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65.

Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer’s Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, and jeffgamet on LinkedIn.

Jay Miller is a Developer Advocate and Podcaster based in San Diego, Ca. A multipotentialite, Jay enjoys finding unique ways to merge his fascination with productivity, automation, and development to create tools and content to serve the tech community.Hear him on his podcast, Conduit and Youtube.com/kjaymiller or checkout his web site at kjaymiller.com.

Jim Rea has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. Follow Jim at provue.com and via @provuejim on Twitter.

Kelly Guimont is a longtime Apple geek, sitting down (on a telephone book) in front of an Apple IIe in 1983. She can still hear the ticking of the ImageWriter. Thanks to the miracle of the adjustable leg desk, she no longer needs the phonebook. Kelly writes for The Mac Observer, is the host of the Daily Observations Podcast, is co-host of The Aftershow, and yet still has more to say which she saves for Twitter and Micro.blog. 

Mark Fuccio is actively involved in high tech startup companies, both as a principle at piqsure.com, or as a marketing advisor through his consulting practice Tactics Sells High Tech, Inc. Mark was a proud investor in Microsoft from the mid-1990's selling in mid 2000, and hopes one day that MSFT will be again an attractive investment. You can contact Mark through Twitter on LinkedIn.

Support:

     Become a MacVoices Patron on Patreon
     http://patreon.com/macvoices

     Enjoy this episode? Make a one-time donation with PayPal

Connect:

     Web:
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     Twitter:
     http://www.twitter.com/chuckjoiner
     http://www.twitter.com/macvoices

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The second part of our MacVoices Live! discussion of the Cult of Mac, 45 ways Apple put a ding in the universe, hit the topics of health, the mouse, Apple Pay, USB, and got into a spirited discussion of mobile computing needs and wants. The panel of David Ginsburg, Kelly Guimont, Guy Serle , Jim Rea, Jay Miller, Frank Petrie and Brittany Smith weigh in. (Part 2)

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Show Notes:

Guests:

David Ginsburg is the President of the Suburban Chicago Apple Users Group, and is an IT professional supporting Mac, iOS and Windows users. Find and follow him on Twitter as @daveg65. You can also hear him share his knowledge on his podcast, In Touch With iOS.

Kelly Guimont is a longtime Apple geek, sitting down (on a telephone book) in front of an Apple IIe in 1983. She can still hear the ticking of the ImageWriter. Thanks to the miracle of the adjustable leg desk, she no longer needs the phonebook. Kelly writes for The Mac Observer, is the host of the Daily Observations Podcast, is co-host of The Aftershow, and yet still has more to say which she saves for Twitter and Micro.blog.

Guy Serle, best known for being one of the co-hosts of the MyMac Podcast, sincerely apologizes for anything he has done or caused to have happened while in possession of dangerous podcasting equipment. He should know better but being a blonde from Florida means he's probably incapable of understanding the damage he has wrought. Guy is also the author of the novel, The Maltese Cube. You can follow his exploits on Twitter, catch him on Mac to the Future on Facebook, and find everything at VertShark.com.

Jim Rea is the brains behind ProVue, the developers of the Panorama X database. Follow him on Twitter as @provuejim.

Jay Miller is a Developer Advocate and Podcaster based in San Diego, Ca. A multipotentialite, Jay enjoys finding unique ways to merge his fascination with productivity, automation, and development to create tools and content to serve the tech community. Hear him on his podcast, The PIT Show, visit his web site at kjaymiller.com, and follow him on Twitter as @kjaymiller.

Frank Petrie is an author and contributor to ScreenCastsOnline Magazine. Follow him on Twitter and check out his web site, ympnow.com.

Brittany Smith is a cognitive neuroscientist who provides a variety of consulting services through her business, Devise and Conquer that includes ADD/ADHD coaching, technology coaching, productivity consulting, and more. She is a self-designated “well-rounded geek”, and holds a M.S. degree in Cognitive Neuroscience. She can be found on Twitter as @addliberator. Check out her latest project, a YouTube channel of tech tips.

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During the Corona pandemic several economies have been negatively affected, meanwhile big tech companies have been making an even bigger profit with the growing online market. Is it possible that big tech companies take over the financial industry? Would we see complete banks belonging to such big tech companies in the future?
In part two of this threefold episode our guest Dr. Ole Rummel shares with us his views on the future of banks and if they would differ from the banks we’ve had for 800 years.