Britain's competition regulator, the Competition and Markets Authority (CMA), has proposed allowing app developers to direct users to external payment options. This aims to reduce fees charged by Apple and Google and foster greater competition. The CMA’s proposals would lift existing restrictions preventing developers from advertising off-platform payment methods. Any fees imposed by Apple or Google for this "steering" would need to be fair, reasonable, and lower than current app store commissions. The CMA suggests that any savings should benefit consumers or be reinvested in innovation. The author questions how savings will be mandatorily passed to consumers, citing an Apple-funded study with contradictory findings. This study suggested that mandated lower commissions benefited developers rather than lowering consumer prices. The author notes that Tiimo, an award-winning app, offers lower subscription prices on its website than through its in-app purchases. The author supports requiring Apple to allow steering to web payments, calling Apple obstinate for resisting it. However, the author also cautions that external payments may not guarantee lower prices or better user policies, as in-app payments offer easier management and cancellation. The CMA is also considering forcing Apple to open its near-field communication (NFC) technology. This could enable third-party payment services within iOS apps, potentially allowing fintech companies to create alternatives to Apple Wallet. The author believes this latter proposal, for NFC access, is primarily desired by fintech companies and could lead to user confusion and a loss of interoperability.