However, numerous questions, including those relating to personnel and strategic orientation, must be clarified. Some stakeholders consider this effort to be too great.
The different smartphone operating systems are also problematic. With iPhones, the Girocard can currently only be deposited with Apple Pay. Only the savings banks have taken this route so far.
Depositing in Giropay would currently only be possible with Android. Here, however, there is the problem that a separate app is required to confirm the payment. Many banks do not have this yet.