More trouble for Apple in Down Under. The $300 billion retail sector has hit back at Apple, saying the global tech giant is trying to freeload on the payments infrastructure built by banks and retailers and restricting iPhone access to payments terminals will hinder loyalty schemes. From a report: The Australian Retailers Association (ARA) has come out in support of the group of four Australian banks seeking stronger negotiation powers with Apple over the introduction of Apple Pay in the country, saying they believe access to the NFC functionality in the iPhone would allow retailers to provide "a richer and more convenient customer experience." The ARA, which represents 5,000 independent and national retailers, says access to the NFC functionality will allow retailers to "develop or participate in mobile wallets that provided a consistent and fully integrated experience to all users regardless of their choice of smartphones" while also allowing loyalty programs, coupons and rewards to be "more effectively integrated into these mobile wallets." "In our view -- for as long as Apple Pay remains the only app that can use the iPhone's NFC functionality -- the potential for innovation in mobile wallets and mobile payments will be limited," the ARA says in a submission to the Australian Competition and Consumer Commission.