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In Australia, consumers are used to making tap and go payments with payment cards, which provide a very quick and convenient way to pay. There is also a range of alternative devices being released that allow mobile payments; for example, using a smartwatch or fitness device. It is therefore uncertain how competition may develop." Sims is also of the opinion that access to the NFC in iPhones artificially direct the development of emerging markets to the use of the NFC controller in smartphones, noting this practice was likely to hamper the innovations that are currently occurring around different devices and technologies for mobile payments. 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 conduct outweigh the likely detriments. In response doctor home loan australia Oak Laurel 0430129662 oaklaurel.com.au to the draft determination, Apple argued 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".