Apple made an important move in its presentation on June 6. Between new operating systems, chips and facelifts for its MacBook, the company Cupertino sent a definitive message to the banks.
Apple Pay Later now allows you to defer payments in the United States
Apple Pay Later It is a financing system for purchases made by users through Apple Pay. The company they have created to carry out this is Apple Financing LLC. wholly owned, albeit supported by MasterCard y Goldman Sachs to execute the procedures.
no more interest
Experts point out that it is a “stick for the banks” because Apple can lend money without asking for anything in return and offer comfortable terms. While the banking entities live off these commissions and they try to make the client extend them over time so that they pay more. Apple doesn’t have that problem because it has another business model.
In this case, Apple advance the money of the product and program payments in up to four monthsalthough in the North American market it would be six weeks due to its culture of weekly or fortnightly payments similar to the Anglo-Saxon one.
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Apple gives another twist to its ecosystem so that users do not leave or need anything that does not come from the environment of the bitten apple. Even the money of computer The most expensive ones are provided by the company and allow it to be paid in interest-free installments.
It won’t come to Europe
But Apple does not look favorably on Europe. The Apple Card was released in 2019 in USA and it is not expected in Spain, something similar can happen with deferred payments. It is not their priority market because their penetration in North America is enormous.
The technologies begin to take the step of lend money in exchange for their products, without intermediaries. This puts at risk one of the banking businesses that has grown the most in recent years with consumer microcredit.
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