> None of those things really affect the banking, government services, education, ID, health etc apps that the OP was concerned with.
Of course they do. All those entities have to follow terms and conditions of Apple to reach THEIR customers/citizens, requiring them to share crucial information to Apple, the sole gatekeeper with a vested interest to maximize user-profit.
> At a stretch, you could argue that the banking apps sort of kind of compete with Apple wallet in the credit card space, but like I said, it's a bit of a stretch.
No stretch at all. The market operator also offers financial services directly, while having privileged access (as preloaded app) and a superior level of information (via user profiling) about the users needs and behavior. Other financial service providers have the choice between paying revenue-share to Apple to be integrated with Apple Pay, or have their services only surface if the customer explicitly searches for their app (all while a competitor may pay the rev-share and have higher integration/visibility from the market provider)
Of course they do. All those entities have to follow terms and conditions of Apple to reach THEIR customers/citizens, requiring them to share crucial information to Apple, the sole gatekeeper with a vested interest to maximize user-profit.
> At a stretch, you could argue that the banking apps sort of kind of compete with Apple wallet in the credit card space, but like I said, it's a bit of a stretch.
No stretch at all. The market operator also offers financial services directly, while having privileged access (as preloaded app) and a superior level of information (via user profiling) about the users needs and behavior. Other financial service providers have the choice between paying revenue-share to Apple to be integrated with Apple Pay, or have their services only surface if the customer explicitly searches for their app (all while a competitor may pay the rev-share and have higher integration/visibility from the market provider)