Last fall Apple was at a crossroads: smartphone sales began to fall and continue to do so, and investors need to show profit growth. And not just capital growth, which is the brainchild of Steve jobs, and so abundant, and purposeful development of new niches. But what to choose? Now the answer sounded — followed by Apple’s competitors of IT giant turns into a kind of Bank.
New Apple News+ offers access to important publications for a monthly fee, Apple provides a set of Arcade games, and Apple TV is a streaming service with an original selection of content. The main novelty for the spring presentation of the company became Apple Card — users get a credit card made of titanium, attached to the account Apple ID. It works wherever there is support for Apple Pay, and gives the owners a lot of bonuses compared to conventional credit cards.
For example, the Apple Card has no penalties, delinquencies and limits, it works conditionally infinite, and will have to pay only the standard annual percentage rate. Something in the range 13-24%, but in return customers will receive the cashback from 1% to 3% per transaction, depending on whether they buy something from Apple itself or its partners. Bank Goldman Sachs, which provides the integration of maps into the existing financial system, promises to anyone not to pass on confidential information — they need it the most.
Sometime in the last century, Apple was making on the creation of complex material things — personal computers. During the return of Steve jobs, there was a revolution and the transition to its own eco-system and an excellent paid options to access the content. Now Apple will make money out of money, based on the accumulated giant customer base. And it’s not unlike the desire of Facebook to make money by selling personal data, Google ads, and Amazon on trade everything from toys to space rockets.
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