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"These alternatives are unrealistic in Australia, which has the world's highest adoption of contactless NFC card payments and one of the world's highest iPhone market shares, particularly among customers likely to use mobile payments," the banks said. "In Australia, potential mobile wallet providers other than Apple are locked out of the established payment infrastructure in respect of the clear majority of relevant customers." Throughout the process, the banks have claimed that they want access to the NFC controller in iPhones and reduced their argument last month to solely focus on such, as Apple currently does not allow any other entity direct access to its technology. The group has been arguing that access would enable them to offer their own integrated digital wallets to iPhone customers in competition with Apple's digital wallet without using Apple Pay -- which is what Apple wants to avoid. "To make this point abundantly clear, the applicants are willing to limit collective negotiation to NFC access alone -- ie, the ability to collectively negotiate for the removal of the pass-through restriction will be taken off the table," the cartel said earlier this year. The banks' comments come after Apple argued in its submission to the ACCC previously 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". The latest submissions from both the banking cartel and Apple are in response to a draft determination handed down by the ACCC in November doctor home loan Oak Laurel 0430129662 that moved to deny the banks collective bargaining rights against the iPhone maker. "This is currently a finely balanced decision. The ACCC is not currently satisfied that the likely benefits from the proposed conduct outweigh the likely detriments," ACCC chairman Rod Sims said at the time. "While the ACCC accepts that the opportunity for the banks to collectively negotiate and boycott would place them in a better bargaining position with Apple, the benefits are currently uncertain and may be limited." In their latest submission, the banks held firm that NFC access would create opportunities to invest in NFC capabilities that do not exist without access.