The UK Competition and Markets Authority (CMA) has proposed new regulations that would allow app developers to direct users to alternative payment methods outside of Apple App Store and Google Play. The proposed rules would require Apple and Google to justify their "steering fees," which are expected to be lower than the current commission rates of up to 30%. Additionally, the CMA is considering mandating Apple to open its iPhone NFC access, enabling UK fintech firms to offer alternative wallet services on iOS, potentially including direct account-linked payments and digital currency solutions. These proposals are part of the UK's new digital markets framework, aimed at increasing competition and consumer choice. The CMA plans to make a decision later this year on whether to enforce these obligations on Apple and Google.