Out of Time (Updated)

Is this the last time? Just a few thoughts as iOS 13.5 closes in on what hopefully will be a late May delivery, also rumored to be the launch iOS for Apple Pay Octopus. Recent beta test feedback says the minimal system for using Apple Pay Octopus was raised from iOS 13.2 to iOS 13.4.5 (rebranded by Apple to iOS 13.5). Also a new Schedule of Fees and Guidelines is due May 20. The Hong Kong Economic Times eZone site has taken this to mean that both iOS 13.5 and Apple Pay Octopus will launch on the May 20 Octopus Fees and Guideline update day.

The enthusiasm is understandable, but a similar situation happened in December with no launch. You might remember that Apple Pay Octopus was announced in July 2019, promised to launch “as soon as possible within the year,” in September, then delayed to “later in 2020” on December 19.

In short, hope for the best but don’t get your hopes up. We’ve been down this road before, but time is running out. If Apple Pay Octopus doesn’t launch in the iOS 13.5 timeframe, it’s not launching at all.

There aren’t any technical reasons for the delay; after all the Smart Octopus mobile service on Samsung Pay has been operating since December 2017 with Mobile SIM service before that. I believe it’s a result of the pressure politics facing Hong Kong, pressures both economic and governmental.

Octopus was the world’s first transit platform business that extended the transit smartcard to include payments and many other services but Octopus Cards Limited (OCL) has been slow extending the service to include mobile. Instead of putting early effort into digital wallet support for Apple Pay/Google Pay/Samsung Pay, OCL wasted time and resources developing the niche Mobile SIM product which really didn’t pan out.

This lag coupled with the rise of AliPay and WeChat Pay QR Code payment empires put enormous pressure on OCL to do something comprehensively mobile which it did with the O! ePay service in early 2019. But it’s not the only pressure: with so much traffic and business from the mainland, OCL owner MTR is looking to add QR Code Open Loop transit support (paywalled link) at some point. There is also the pressure of creating a Greater Bay Area transit card, and pressure from credit cards and banks. Every player wants a piece of the action.

Perhaps MTR gates will eventually look like the ones in Guangzhou with PBOC/FeliCa/QR Code readers supporting Octopus, China T-Union, AliPay/WeChat Pay, perhaps even EMV contactless bank cards:

At which point I say OCL doesn’t have a viable transit platform business anymore. Mainland China dumped the MIFARE based Beijing and Shanghai card architecture for their own slower PBOC 2.3/3.0 China T-Union standard, I don’t think it’s a stretch to see the same thing happening to Hong Kong Octopus at some point.

Supporters will undoubtably point out the technical merits of China using a single transit standard but that’s just a red herring. Smart devices and digital wallets handle all protocols and will continue to incorporate new technologies. The deciding factors will be good old money and politics: is it more profitable to keep Octopus in place or junk it in favor of QR and China T-Union, and who benefits from it all?

Octopus is living on borrowed time. If it doesn’t aggressively expand services on digital wallet platforms, it doesn’t have a future. Apple Pay Suica turned things around for Suica, let’s hope the Apple Pay Octopus launch can do the same for Octopus.


Apple Pay Suica had a huge impact on Mobile Suica use
Modern digital wallets like Apple Pay seamlessly support multiple payment technology protocols

UPDATE: on May 18 at 4:30 PM, an Octopus system glitch temporarily showed an option to add Apple Pay Octopus cards to Wallet to some iOS Octopus app users, but the feature not functional on the Apple Pay Wallet end. The glitch was quickly fixed but could be a sign that a service launch is imminent (edit: post glitch rumors say June 2).

The latest word from beta tester code leakers is that virtual Octopus creation and recharge in Apple Pay Wallet is limited to Hong Kong issue Mastercard, Union Pay and VISA. The May 20 Schedule of Fees and Guidelines update should show any changes for Smart Octopus (edit: “new restriction, 21 (cb), blocks the transfer of money from a Smart Octopus to O! ePay, probably to prevent the abuse of credit card cashbacks since service fees are waived for Apple Pay”).

PS: Barring the Apple Pay Octopus launch or official announcement, this is my last post on the subject.

iOS 13.4 beta 3: no commute plan renew button?

The latest iOS 13.4 beta has a few more UI tweaks. The main Suica screen is unchanged from b2 and now seems set with no commute plan renew button. I’m pretty sure a button is supposed to appear during the 2 week renewal period and have created a screen mockup. There may be some other renewal notification or renew method but cannot confirm. Is this the iOS 13 Wallet dynamic card UI thing or something else? If this turns out to be the final Suica commute plan UI for iOS 13.4, I think many users will be confused. With a few more beta releases to go, I hope Apple improves the UI before the official release.

Express Transit settings have a small tweak. On/Off toggles replace checkmarks for native transit cards like Suica and HOP, checkmarks remain for payment card Express Transit cards (EMV). This is a nice refinement that helps users distinguish between regular transit cards (HOP, Suica, Beijing/Shanghai, etc.) and open loop payment cards (credit/debit). This could be in response to complaints from MTA OMNY users regarding EMV Express Transit.

Update: My assumptions were correct and confirmed that iOS the Suica Commute Plan ‘Renew’ button is dynamic and appears only when the 2 week renewal period is active. It makes sense but what a weird UI to be coming from Apple, it doesn’t look or feel Apple-ly at all.

Apple Pay Octopus Ides of March

Here we are again. Apple Pay Octopus has been languishing in beta test hell for over a year with no public release in sight. The last official news was the 2019 year end launch delay to ‘later in 2020’ and the Octopus App v5.6 update that added support for iPhone recharge/top up of plastic Octopus cards. Hong Kong beta testers found code references in v5.6 that clearly indicated Octopus Cards Limited (OCL) originally intended to release Apple Pay Octopus first and iPhone app plastic recharge later, but the order was flipped with the delay.

A few weeks ago a reader contacted me that OCL is updating the Schedule of Fees and Guidelines on March 1, 2020 turned out to be nothing. Then out of nowhere Twitter user Jason Tjong (account created in January 2020, the profile says IT journalist in Hong Kong but no publications are listed) put out a series of tweets in February saying everything that was supposed to be coming, first with Chinese New Year 2019, then later with iOS 13, is finally coming in March 2020 along with Octopus App v6, the whole shebang.

To which I say…hope for the best but we’ll have to see how it plays out. There have been so many delays that it’s hard to be optimistic, and Tjong has not revealed any sources or given reasons to back up his tweets. On top of everything else we now have the coronavirus crisis. If his predictions/sources turn out right, great, if not we’ll wait for the next rumor or a real announcement from OCL.

We do have a Apple Event March rumor for iPhone 9 and new iPad, but any event looks increasingly unlikely/impossible during the COVID‑19 crisis. At last year’s spring event Tim Cook mentioned Apple Pay HOP, Ventra and EMV Express Transit for MTA OMNY for 2019. Reality and results were mixed. Apple Pay HOP launched without a hitch, OMNY Express Transit launched on schedule but MTA users stuck with manual swipe MetroCard are irritated by Express Transit (Express Transit in a long term system mixed migration environment was not a good idea), and Apple Pay Ventra is stuck in coming soon hell.

Tjong says the Apple Pay Octopus delay is Apple’s fault not OCL, but again I am skeptical. From a technical side OCL already has extensive mobile experience with their Smart Octopus on Samsung service and has field tested Apple Pay Octopus since December 2018, OCL feedback to beta testers indicated everything was set to launch right up until the delay announcement. From a business side I find it hard to believe that OCL would dump resources into extensive Apple Pay beta field testing and Octopus App development without the business contract ends tied down. I think there are other reasons..reasons possibly related to the Hong Kong protests and the unexplained takedown of Smart Octopus during the Hong Kong Polytechnic University siege, but this is not a popular view.

We can put aside all doubts and pretend that March will be insanely great. Tim will announce Apple Pay for Octopus and more at the March Apple Event, Octopus Cards Limited CEO Sunny Cheung will be invited on stage to unveil the service. Joking aside, the only clarity from the murky chaos that was 2019 and is 2020 so far is this: Hong Kong is in a very different place than it was back in December 2018 and there’s less interest in Apple Pay Octopus.

2/19 UPDATE
Jason Tjong also tweeted that Apple Pay Guangzhou, Shenzhen and Foshan China T-Union transit cards announced by Apple in early January will appear with iOS 13.4 which would be March, he also suggests that China T-Union card mobile integration is less complex than Octopus, again without citing sources or offering explanation. Given the circumstances of the Octopus delay I don’t agree with his tech take, but Apple Pay Lingnan/ShenZhen/Foshan coming more or less simultaneously with Apple Pay Octopus crossed my mind back when those card were announced in December right before the OCL delay announcement.
It makes sense for Apple Pay to align transit card region support whenever possible though I do not think Apple is the reason for the last minute Octopus delay. We shall see. Long term, Greater Bay Area Transit operators are looking to create a single transit card. A multiple release that soon straddles both Hong Kong and surrounding mainland area transit cards with a single digital wallet, not dual mode exactly but close, is a win for iPhone/Apple Watch transit users.

3/15 UPDATE
New Apple Pay Octopus iOS 13.4 launch rumors along with Apple Pay China T-Union beta test screen shots are making Twitter rounds. If true, we could see wide area Apple Pay Transit releases on or shortly after the official iOS 13.4 which could drop this week March 25/26. With the coronavirus crisis in full swing in America now, expect things to be fluid.

iOS 13.4 beta 2 Apple Pay Suica tweaks and questionable UI choices

Apple Pay Suica has more commute plan UI tweaks in iOS 13.4 beta 2. Commute plan information displays correctly now, and with more detail than before, but the renew button is gone and evidently dynamic: it only appears during the 2 week commute plan renewal period before expiration date. The design goal is clear but cannot absolutely confirm it until my plan enters the renewal period on April 15, hopefully beta testers will confirm it on Twitter before then.

A dynamic Suica commute plan renew button makes sense because the button does not function outside of the 2 week renewal period, but I’m not sure it’s the best UI choice. Most users will be confused when there isn’t a renew option showing. No button, no user feedback. My own choice is for a button that is always there but greyed out until it’s active for the renewal period.

What UI Apple delivers for the official iOS 13.4 release is anybody’s guess but the constant Suica tweaking before iOS 13 Dark Mode and after is telling. Apple is making questionable UI choices because Dark Mode severely limits UI color schemes. That is why Apple Pay Wallet buttons are black for daytime and white for Dark Mode. Grey is not an option. That’s why Apple is playing with dynamic buttons that only appear when needed. Dark Mode in fine in limited doses but things like Apple Maps Dark Mode are a disaster, Apple Pay Wallet Day/Dark Mode is a mixed bag. I hope iOS 14 Dark Mode delivers a better design than what we have now.

Outside of the UI, I’m happy to report that Apple Pay Suica performance on iOS 13.4 b2 is the best ever.

Update: My assumptions were correct and confirmed that iOS the Suica Commute Plan ‘Renew’ button is dynamic and appears only when the 2 week renewal period is active. It makes sense but what a weird UI to be coming from Apple, it doesn’t look or feel Apple-ly at all.

Location aware Apple Pay Suica fixes the region setting problem

Changing the iPhone region to add Apple Pay Suica confuses a lot of users. Many are not familiar with region settings and what they do, and it’s far too easy to think that a Japan region setting is a requirement to use Apple Pay Suica, which is not the case. When it comes to iOS 13 Apple Pay and NFC switching, the region is a simple filter so that user only sees Apple Pay card options for a given region, not the whole Apple Pay world. In this situation region setting becomes a stumbling block, most inbound iPhone users are probably not even aware that they can add and use a deeply useful Japanese contactless digital transit card with a few finger flicks.

This is a problem because the current iOS Region preference setting mixes 2 different job functions. Twitter user Zetton neatly explained the issue: the iOS Region setting defines the cultural space the user lives in and how iPhone treats some data, but Apple Pay uses regions in a different way to show available location options. It is this user cultural space vs current location option dichotomy force fitted into a single region setting, that confuses users. This is why JR East created the one time use SuicaEng app that completely dispenses with region settings for adding Suica to Apple Pay. iOS 13 rolled direct Suica card creation into Wallet, look ma no apps, but the ‘change region setting to Japan’ to add Suica downside was still there. Until now.

There are signs that Apple is working around the region problem by presenting location aware ‘add Suica’ Wallet notifications. It’s not universal and impossible to test if you already have Suica, but it seems the separate ‘add Suica’ option also appears in Wallet based on user location in Japan, regardless of region setting.

I suspect the add Apple Pay Suica location prompt is a backend feature in testing phase. It’s a smart move because Apple Pay Suica on global NFC iPhone and Apple Watch is going to be the best way for inbound visitors to get around town during the Tokyo Olympic games this summer and Google Pay Suica is still not available for inbound Android users. Ditto the recently announced Android only Mobile PASMO. Apple has a golden marketing opportunity in Japan that won’t happen again, they should make the best of it. The sooner Apple completely retires the ‘device region set to Japan‘ requirement for adding Suica, the better