By Paulina Duran

SYDNEY (Reuters) – Commonwealth Bank of Australia (OTC:), the country’s largest lender, accused Apple Inc (NASDAQ:) on Thursday of uncompetitive behaviour over control of payments on its phones, which have grown to about a third of all consumer payments.

These remarks follow a statement by the Australian Financial Review that the competition regulator had made this month about whether Apple’s iPhone architecture violated the laws of competition.

The chief executive officer of the Sydney-based Bank, Matt Comyn, said lawmakers should increase their scrutiny of technology companies. According to Comyn’s calculations, payments via digital wallets made by Apple or Alphabet (NASDAQ)’s Google represented about 45% all consumer payments.

Comyn stated that the… claim by Apple that it is pro-competition is fair, provided one accepts competition as long that no one can rival Apple.

Apple has been requesting that it remove its Near Field Communication (NFC), chip from phones to make way for banks’ apps. Comyn cited data showing that Apple captures around 80% transactions via digital wallets.

Apple requires that banks process contactless payments via its digital wallet, and they must pay an undisclosed amount. Reuters reached out to Apple for comment.

Comyn said, “It’s analogous to think of a world where your Apple phone is the only thing that can determine which carrier it used.”

Comyn said last month that Apple Pay was “procompetitive”. He also accused the companies asking for more scrutiny of its products, saying they were doing it “for commercial gain.”

These inquiry results have not yet been made public.

A representative from the competition regulator stated that it will not provide “running commentary” about its investigation on Thursday.

Google searches allow banks, as well as other third parties, to access the NFC chips.