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So by making it reliant upon a foreign satellite navigation system, everyone having a working phone, and a willingness to give us permission to track all of your movements, we've now made it simpler than a piece of paper!
I'm not saying it's better from a privacy point of view. It's clearly not. And it is more complicated behind the scenes to track 3.000.000 people than to print little pieces of paper. But, they aren't lying when saying it is indeed less complicated to the end user, Instead of figuring out ticketing systems and pricing scales from various companies, regions, with different regulations about exceptions on prices or how many people are a "group", etc to find the ticket / price that is the best deal for you, you just "activate" when getting on a vehicle and "deactivate" when done traveling. I've used it, it's called Fairtiq here and it really is waaaay less complicated to use for average end user than any other ticketing system like counters, machines, websites. They track you, the data is hopefully also used for optimising public transport towards measured demand, and in return for tracking they promise you'll always get the best possible price for whatever route you travelled. It's not the worst way to use tracking technologies.
In D.C. (one of the few places in the US with good public transport) you can get a pass you put money on. Then you just scan it when you enter/exit a station and you get billed for the price of that trip. It's dead simple. (It could be made even simpler if you just connected a credit card to it though, or if it just was, as an option, your credit card or google/apple pay.)
It sounds like to fix this problem the government just needs to regulate these companies and implement a similar system. It's far simpler and more reliable and robust.
The reason that works is the gates. I dunno in Britain, but in Germany the gates at stations are very uncommon, even for underground stations. Pretty much every station is freely accessible to anyone. Think at this point installing gates in so many places is more expensive than for example running a Tracking-Ticket system. It would also always still exclude busses, normal streetcars etc. Netherlands has the gates and you can just use your banking card as you say, but gates are only installed for the real trains, not trams or buses. While the ease of use of the tracking ticket for me is the super smooth integration of all forms of regional and local public transport.
The problem with it though is it would seem you still need another option available. Not everyone has a smartphone. Presumably they still want to service those people, so they have to provide some other option. The scan on/off system works for everyone, and it could easily be extended to busses. It'd work the same as a station, but you do it entering/exiting the bus.
I could see the issue with stations that don't have gates, but again, they should be trying to service everyone, including those without a smart phone. They have to add something to those stations I would hope and assume. It might as well be a scan point —which could be something besides a gate.
That’s a non-issue in Britain where essentially all bank cards are contactless.
It still needs somewhere to tap. RFID is short range.