EU is investigating Apple Pay and App Store for breaking competition rules

The European Commission has launched two formal investigations into Apple's business practices over a possible breach of Europe's competition rules. 
One probe will investigate Apple's App Store, while the other will look into the company's Apple Pay payment system. 
The first investigation is a follow-up to earlier complaints by Spotify, and an (unnamed) e-book/audiobook distributor, who claimed that Apple's App Store rules stifle competition in music streaming, e-book, and audiobook