As justification, the submission cites examples of security vulnerabilities in Android.
Apple adds that just because it will not support use of NFC by third parties, there are alternative technologies that can be used for contactless payments, for example QR codes.
"Apple's desire to protect the integrity of its own proprietary hardware installed within its own devices is not anticompetitive," the submission argues. "It is not 'exclusive dealing' conduct to which Australian competition law applies.
"What the applicant banks are seeking is the right to impose a collective boycott for the purpose of putting pressure onto Apple to grant them access to proprietary hardware and software. Apple has invested significant financial and other resources developing a simple and convenient mobile wallet service with the highest security and privacy protections available. This is also the basis on which Apple seeks to differentiate its mobile wallet from those offered by other mobile wallet providers."
The full submission is available online.
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