The Netherlands Authority for Consumers and Markets (ACM) said Apple will comply with a ruling that requires the computing giant to allow other payments methods for dating app purchases. Penalty payments surrounding the case totaled €50M.

Why should we care?
The ACM’s concerted efforts within just one sector of the digital-payments space suggests Dutch regulators may complicate Apple’s long-term vision: one in which the company leverages its hardware to offer a range of financial products. If Apple is now required to provide alternative payment options in the Netherlands, it may be forced to offer its payments rails to BNPL providers, which would compete with Apple’s BNPL product were it to expand beyond the U.S. As a result, in the long run, Apple will be forced to make its financial products more attractive to Dutch consumers beyond questions of convenience. This may work in consumers’ favor, but it may encourage Apple to avoid the Dutch market for some product offerings, or reconsider some financial products altogether.