The UK Competition and Markets Authority (CMA) has published a draft proposal aimed at expanding access to contactless technology in Apple iPhone smartphones. The proposal concerns the NFC module, which is currently used primarily for the Apple Pay service and is restricted for third-party payment solution developers. According to the regulator, opening access to this technology will allow third-party companies to create their own contactless payment services and other NFC-based applications without dependence on Apple's ecosystem. The CMA believes this could increase competition in the mobile payments market, reduce costs for businesses and consumers, and boost the development of fintech startups in the UK. The proposals are part of a broader investigation into the activities of major technology companies regarding compliance with fair competition rules. The CMA notes that such restrictions by Apple may hinder innovation in digital payments and limit choices for users. The document has been put out for public consultation, during which interested parties, including Apple itself, will be able to submit their comments and objections. The final decision will be made following the consultation process and taking into account the feedback received. Analysts note that such a move could set a precedent for other markets where regulatory issues concerning technology giants and their impact on competition in the financial technology sector are also being considered.