Apple Revises App Store Policies in Accordance With EU Digital Markets Act

Introduction: Strategic Compliance Amid Regulatory Pressure

Apple Inc. has announced significant updates to its developer policies, aligning its practices with the European Union’s Digital Markets Act (DMA). These revisions, unveiled on Thursday and publicized via the Apple Developer news portal, arrive ahead of the June 26 deadline, avoiding potential fines and further regulatory penalties.

New Communication Guidelines and Payment Flexibility

The updated policies introduce Apple’s “anti-steering” rules, allowing EU-based app developers unprecedented flexibility. Developers are now permitted to direct customers to alternative payment options for subscriptions and in-app purchases outside of the App Store. This capability can be utilized across various channels—whether through websites, alternate app marketplaces, or integrated app features—eliminating the need for previously mandated warnings and restrictive text.

Follow THE FUTURE on LinkedIn, Facebook, Instagram, X and Telegram

Revamped Fee Structure: A Nuanced Approach

In addition to communication changes, Apple has implemented a more intricate fee framework. The former Core Technology Fee (CTF) has been replaced by a layered structure, featuring an initial acquisition fee of 2% and a store services fee varying from 5% to 13% based on the chosen tier. Notably, members of the Small Business Program will incur a fee of 10%. Tier 1 developers, with access to limited App Store services such as app reviews and fraud protection, contrast with Tier 2 developers who benefit from enhanced services including marketing tools and personalized app insights.

Core Technology Commission and Its Implications

Developers opting for alternative EU business terms will continue to pay the legacy CTF of €0.50 per app install after reaching one million downloads. Conversely, those operating under standard EU terms will be subject to the new Core Technology Commission (CTC) set at 5%, effective from January 1, 2026. Apple justified this move by underscoring the ongoing value delivered through its investments in development tools and technological innovation.

Industry Reaction and Competitive Concerns

The revised policies have sparked criticism in the industry. Epic Games CEO Tim Sweeney, famed for his legal victory over Apple in the United States, described the changes on social media as an instance of “malicious compliance.” Sweeney contends that the new rules effectively tax and restrict competition among apps, thereby undermining fair market practices in both Europe and the United States.

Conclusion: Balancing Innovation With Regulation

Apple’s policy revisions underscore the tech giant’s strategic navigation through an increasingly regulated landscape. By reconfiguring its fee structure and broadening developers’ payment options, Apple aims to maintain its competitive edge while adhering to stringent EU mandates. As the digital marketplace evolves, these measures will likely serve as a blueprint for future adaptations by major industry players worldwide.

The Future Forbes Realty Global Properties

Strained Household Finances: Eurostat Data Reveals Persistent Payment Delays Across Europe and in Cyprus

by THEFUTURE.TEAM

November 22, 2025

Improved Financial Resilience Amid Ongoing Strains

Over the past decade, Cypriot households have significantly increased their ability to manage debts—not only bank loans but also rent and utility bills. However, recent Eurostat data indicates that Cyprus continues to lag behind the European average when it comes to covering financial obligations on time.

Household Coping Strategies and the Limits of Payment Flexibility

While many families are managing their fixed expenses with relative ease, one in three Cypriots struggles to cover unexpected costs. This delicate balancing act highlights how routine payments such as mortgage installments, rent, and utility bills are met, but precariously so, with little room for unplanned financial shocks.

Follow THE FUTURE on LinkedIn, Facebook, Instagram, X and Telegram

Breaking Down Payment Delays Across the European Union

Eurostat reports that nearly 9.2% of the EU population experienced delays with their housing loans, rent, utility bills, or installment payments in 2024. The situation is more acute among vulnerable groups: 17.2% of individuals in single-parent households with dependent children and 16.6% in households with two adults managing three or more dependents faced payment delays. In every EU nation, single-parent households exhibited higher delay rates compared to the overall population.

Cyprus in the Crosshairs: High Rates of Financial Delays

Although Cyprus recorded a notable 19.1 percentage point improvement from 2015 to 2024 in delays related to mortgages, rent, and utility bills, the island nation still ranks among the top five countries with the highest delay rates. As of 2024, 12.5% of the Cypriot population had outstanding housing loans or rent and overdue utility bills. In contrast, Greece tops the list with 42.8%, followed by Bulgaria (18.7%), Romania (15.3%), Spain (14.2%), and other EU members. Notably, 19 out of 27 EU countries reported delay rates below 10%, with Czech Republic (3.4%) and Netherlands (3.9%) leading the pack.

Selective Improvements and Emerging Concerns

Between 2015 and 2024, the overall EU population saw a 2.6 percentage point decline in payment delays. Despite this, certain countries experienced increases: Luxembourg (+3.3 percentage points), Spain (+2.5 percentage points), and Germany (+2.0 percentage points) saw a rise in payment delays, reflecting underlying economic pressures that continue to challenge financial stability.

Economic Insecurity and the Unprepared for Emergencies

Another critical indicator explored by Eurostat is the prevalence of economic insecurity—the proportion of the population unable to handle unexpected financial expenses. In 2024, 30% of the EU population reported being unable to cover unforeseen costs, a modest improvement of 1.2 percentage points from 2023 and a significant 7.4 percentage point drop compared to a decade ago. In Cyprus, while 34.8% still report difficulty handling emergencies, this marks a drastic improvement from 2015, when the figure stood at 60.5%.

A Broader EU Perspective

Importantly, no EU country in 2024 had more than half of its population facing economic insecurity—a notable improvement from 2015, when over 50% of the population in nine countries reported such challenges. These figures underscore both progress and persistent vulnerabilities within European households, urging policymakers to consider targeted measures for enhancing financial resilience.

For further insights and detailed analysis, refer to the original reports on Philenews and Housing Loans.

Breaking news