Apple in Financial Industry

Apple will never make it in the financial industry

icloud Apple

Pay Apple a huge deal, much bigger than the iWatch – and no one is talking about it enough. Pay Apple to Apple's new feature that allows iPhone users to pay for things the iPhone, before loading the credit cards and fingerprints on the signature. Get Apple's 15% of transactions to push Apple. "

Right now, the only way to pay for Apple credit cards and other banks, but I think it is a first step towards the whole Bank, Apple, credit card company, a merchant and processor of its own.

Provides banking and credit cards, merchant processing, organization, Apple may need to completely remove the use of visa, MasterCard, American Express, PayPal and conventional retail banks. My back of the envelope brings the possibility of a credit card alone is worth 90B per year.

If I ran the financial services company, would be horrified. Certainly, I am not an Apple or a visa or retail banks, but if I've been running Apple, this seems like a clear step in the enormous growth opportunity. These are the steps that I see this whole thing plays out:

Step 1: consumer adoption and early trader

The first thing is to continue this strategy, Apple has a wide "to pay Apple to consumers and traders, and they will be completed.

Apple will pay Apple an attractive option for consumers, because:

Apple Pay

Use the phone more appropriate than directed by your wallet. Phones usually already on the table, or hand-made of plastic credit cards.

Consumers will be happy to experience. Apple will find a way to make it feel like a cool and exciting.

Would be safer and hopefully faster.

Apple will pay Apple an attractive option for retailers because:

Apple retailer pay option

Take the burden off the shoulders of fingerprints the identity fraud (by the year 2015, traders shall be responsible for the fraud, the credit card companies. This new, big thing.)

Their customers as they offer This convenience.

We hope that faster treatment (and possibly better Analytics provide merchants, bonus).

 

Step 2: consumer and merchant support

The same as before, but now it costs Apple is really a basic fee and credit card plastic. At this point, make the Apple. 5 B 4 $ a year (the iPhone users, 500 x 500 dollars a month events "by pressing the Apple" p. 15%).

Step 3: Apple credit card and merchant services

Apple pay

When will give consumers and traders to pay for Apple, why someone has a Visa/MC/American Express "to mediate between the consumer and the trader? It would be easy for Apple to cut the Visa/MC/AmEx outside its integrated credit card processing/merchant solution (if Apple does not negotiate enforceable off this deal versus 15%, which is hilariously Palace).

We want to know who hates visa, MasterCard and American Express? For each employer. The most important treatment lasts for approximately 3% of all events that might have made sense back in 1984, but the silly parts of the digital world in 2014.

If an Apple merchant processing, which uses "Apple" credit cards, merchant fees to 1.5% processing fee (half the price of the Visa/MC/Amex), Apple accepts merchant processing merchants and their clients, "in the second. Consumers need to use "credit cards" in the Apple via Visa/MC/Amex.

So how does Apple make people more than a credit card, Visa/MC/AmEx, Apple?

Consumers use credit cards they bribed 1) Rewards points, cash back and 2) the ability to have no money.

How Apple will lure consumers with credit cards and compete with the bribes, that credit card companies currently offer?

I don't know the exact answer. But I know a lot of layers and middlemen, Visa/MC/Amex and many people need the money they charge merchants for 3%. About 1/3 of the 3% that goes to bribing consumer rewards and cash back (1% of total traffic).

Apple could still have to bribe consumers to bribe 1% cash rewards, throw on some digital products, which are almost marginal cost ("get a store credit card unlimited free icloud" Apple "and I get") and in May. On the left of the 5% profit. The Basis Apple could figure out how to undermine the Visa/MC/AmEx dealer and still give superior consumer will benefit because the cost structure.

How Apple really gives the credit to the consumer?

Once again, I am not an expert, but Apple has two important when it comes to lending to consumers with a ton of information about: 1), 2) tons of money – $ 165B last count ... About half of the cash in a retail behemoth Bank Wells Fargo ", without deposits. To find out how the credit card business, the need to rely on external financing to leave.

PayPal questions icloud Apple

PayPal  icloud Apple

Apple is going to make it a "financial industry" after PayPal showed negative reactions to Apple to launch their "mobile payment service, Apple will push"?

He questioned the reliability of the PayPal public Apple "in the financial sector," said recently in his New York Times opens up a new Apple technology. Put a lot of attention in the latter more than icloud, PayPal, reminded the audience of the intimate celebrity pictures suddenly went blood circulation, to throw doubt on Apple insurance accounting credibility. The ad has been joined by such statements, such as "we want your money, than our silvis.

The technology replaces the Apple payment wallet

After the success of "push Apple, Apple now start the technical features of the update in the wallet. This time, the cash money is quick and easy with built-in NFC phone. Think of the sensor Strip on the iPhone and the iPhone 6 as well as phones. At the top of the phone will be activated when you hold the phone to the sensor. By simply touching the ID authentication, are discussed. The new Apple in the invention of money faster and easier. Security, secured credit cards, which appear in the savings bank book in the pocket of the phone is never stores your credit card number. This makes the card number, the security code will be sent to the events of the cord. If you lose your iPhone, it can be easily disabled. The national remote sensing sector Make iPhone payment cards on your behalf. You can use it online without the long forms. One click is all you need. Pay Apple also works with "Watch Apple", but Apple does not yet work for more information. In addition, some third-party software is integrated with a new invention to pave the way for more developers in the future.

Apple icloud "question for violation of"

Apple icloud violation

Hours of research of the security system "Apple," Apple CEO Tim Cook once again strongly forbid the icloud "security feature" was contrary to the claim. Apple, in accordance with the results of the study did not find any reason to support the "Hollywood celebrity", Jennifer Lawrence yells at disturbing the peace after nude pictures started circulating on the Internet. Notables included Selena Gomez, Mary Elizabeth Winstead, Kate Upton and Kirsten Dunst.

Apple claimed that the results of the study showed the concessions in the form of user names, passwords, and security issues. In short, they are made by hackers to break the company. The President announced further Executive for Apple to their hosts to use the standard security measures. Apple added security features to avoid the compromises of the product and customers by sending notification e-mail messages every time they log on to icloud by using Web browsers. This does not exclude those who register in icloud. However, this is only temporary as Apple works to find ways to improve security against disruption in the nude. Apple's got some plans to improve the security of your icloud email and push notifications for users of iTunes attempts to change the password, data recovery icloud to another device or sign in to the iTunes for the first time.

Join the PayPal issue raises the question of Apple's

Questions of Apple

Now that Apple has announced the entry of "paying Apple more rational, qualities that are consistent with the protection of users ' data during the transfer process easier, this could provide them with a" gate "of the financial industry. But when the icloud, which proves that the fault of Apple's actions "," financial industry "is a good step for Apple? It turns out that in the fall, or their "financial industry"?

These questions are raised, PayPal, Internet banking and was the reluctance of the decision unless the alarming Apple goes to the "financial services". So much of the market brought by Apple?

After the celebrity nude photos goes online store, PayPal to comment negatively on icloud Apple security having faulty began questioning people and marked effects on PayPal. Without prejudice to the right of the people of that happened against Apple by Apple, icloud assumptions, there is a high chance that the same thing could happen with PayPal at any time. Finally, this is the default gap between PayPal Security to back up your blog, 17-year-old in Melbourne, Australia. This post is relevant and probably the real reason why Apple has a lot of interest in PayPal and other online financial and banking. If it is to get a PayPal transaction relating to a troubled iPhone, how they would react if the pirates finally deal with PayPal, which is run by Apple?

In fact, Apple showed their experience in order to resolve such crises. Once again, it shows its customers and competitors are always willing and able in the development of products and services. They give a lot of attention to the safety of products and customers or users. It is a natural, but big business and the Big Apple to face such questions. But the most important thing is never to stop looking for great I,nnovations can be used to improve the properties of the product.

The battle between Apple and eBay has done the ultimate long term, when the people themselves and the final results. However, due to the company's credibility on the line in the same sector, financial matters, it is best, in cooperation with the failure of technology solutions. The conquest of the "financial industry" still have a long way to Apple, but the new phone abie introduction, you can make or break a "financial industry"? Surely the Apple event brings in the financial industry for a variety of reactions from everyone, including existing and potential competitors.

One question about the "cloud security" portal for Apple considering joining a new industry, but questions like this will surely leave a lot to learn and develop. The financial resources and the technology always come hand in hand. Once you have one on hand, it will take a great resolution stick!

More likely that Apple will survive a hit recently went gaga over the Hollywood in the security of the iCloud silvis nadis. I know how to get over it and develop this technology, once again, to restore public confidence and faith. In addition, buy Apple use the "financial". This is a breakthrough or a very dangerous move to improve your current business standing?