Apple, Goldman Plan ‘Buy Now, Pay Later’ Service to Rival Affirm

Bloomberg2021-07-14

Service to let users pay off any Apple Pay purchase over time. Fresh partnership with Apple could boost Goldman consumer push. Apple Inc.is working on a new service that will let consumers pay for ...

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精彩评论

AngieAbcde
2021-07-14
AngieAbcde
APPLE Makes it a lot easier to buy apple products
- jamjam:
  ok
nctony
2021-07-14
nctony
Apple need more sales? [疑问]
Joe0319
2021-07-14
Joe0319
You like me, i like you
Syin23
2021-07-14
Syin23
Oh no, Affirm [捂脸]
- Syin23:
  Yesterday lowest point 55.59 from 64.84. Consider drop more than 10% jor... 😅
- Joe0319:
  got fall mehs
为什么还不涨
2021-07-14
为什么还不涨
Affirm gg
NgKenny
2021-07-14
NgKenny
Good

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Goldman Sachs has been Apple’s partner for the Apple Card credit card since 2019, but the new offering isn’t tied to the Apple Card and doesn’t require the use of one, said the people, who asked not to be named discussing unannounced products.\nThe buy now, pay later system could help drive Apple Pay adoption and convince more users to use their iPhone to pay for items instead of standard credit cards. Apple receives a percentage of transactions made with Apple Pay, driving additional revenue to the company’s more than $50 billion per year services business.\nThe service is currently planned to work as follows: When a user makes a purchase via Apple Pay on their Apple device, they will have the option to pay for it either across four interest-free payments made every two weeks, or across several months with interest, one of the people said. The plan with four payments is called “Apple Pay in 4” internally, while the longer-term payment plans are dubbed “Apple Pay Monthly Installments.”\nWhen making purchases through an Apple Pay Later plan, users will be able to choose any credit card to make their payments over time. The service is planned to be available for purchases made at either retail or online stores. Apple alreadyoffersmonthly installments via the Apple Card for purchases of its own products, but this service would expand that technology to any Apple Pay transaction.\nThe interest rates that Apple plans to charge for the monthly installments couldn’t be learned. Affirm charges as much as 30% APR, while other rivals charge less. The interest-free four installment plans wouldrival similar systemslike ones from Afterpay Ltd, Klarna Bank AB and Sezzle Inc. in addition to PayPal’s popular Pay in 4 service.\nAffirm fell as much as 13% on the news, while PayPal declined about 1.4%.\nUsers who want to use the Apple Pay Later service will need to be approved via an application submitted through the iPhone’s Wallet app, where they will also be able to manage their payments. Users will need to submit a copy of their local ID card to apply for the program. Apple will also offer customers the ability to exit payment plans to pay off the remainder of their purchase balance.\nAt least some of the Apple Pay Later plans will also exclude late fees and processing fees, only costing users interest for longer-term plans. The service will also not require running a credit check on the user. Separately, the company is also testing a feature that will let users create temporary, digital Apple Pay Later credit cards for individual purchases.\nApple’s new service is still in development and its features could change or be canceled, the people said. Spokespeople for Apple and Goldman Sachs declined to comment.\nOn an earnings call earlier Tuesday, Goldman Chief Financial Officer Stephen Scherr said he believes there are “more opportunities to be had with Apple.” Goldman’s alliance with consumer darlings like Apple is aimed at helping it find a footing in the world of consumer banking -- an expansion it has sought in recent years to spread its reach beyond the world of high finance on Wall Street.\nApple’s iPhone-based payment service is accepted at 85% of all U.S. retailers, according to the company. The new service would mark one of the largest additions to the service since its launch in 2014, following other features like peer-to-peer payments. Apple last yearacquireda company that developed technology to allow phones to receive payments by tapping another phone or credit card on its back, adding another potential feature to the Apple payments road map.","kind":null,"is_publish_news":false,"is_publish_highlight":true,"is_publish_live":null,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1},"commentList":[{"id":144939102,"gmtCreate":1626259420106,"gmtModify":1633928564137,"author":{"id":"3582760464345135","authorId":"3582760464345135","name":"AngieAbcde","avatar":"https://static.tigerbbs.com/afd4bd4f4d998862f09bdc2916fcc2ab","vip":1,"crmLevel":2,"crmLevelSwitch":0},"htmlText":"APPLE&nbsp;Makes it a lot&nbsp;easier to buy apple products&nbsp;","listText":"APPLE&nbsp;Makes it a lot&nbsp;easier to buy apple products&nbsp;","text":"APPLE Makes it a lot easier to buy apple products","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/144939102","repostId":2151958567,"repostType":2,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":5228788,"gmtCreate":1626349872316,"gmtModify":1635228619626,"authorId":3559204036277229,"author":{"id":3559204036277229,"authorId":3559204036277229,"name":"jamjam","avatar":"https://static.tigerbbs.com/6542201483b33e63d9036c1e565275b2","vip":1,"crmLevel":5,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":144939102,"type":1,"supId":0,"prevId":0,"content":"<u>ok</u>","text":"<u>ok</u>","html":"<u>ok</u>"}],"langContent":"EN"},{"id":145542251,"gmtCreate":1626232874773,"gmtModify":1633928770569,"author":{"id":"3557024931927052","authorId":"3557024931927052","name":"nctony","avatar":"https://static.tigerbbs.com/1449dfc5089ded0e8efe303fd4dd43b1","vip":1,"crmLevel":2,"crmLevelSwitch":0},"htmlText":"Apple need more sales?&nbsp;[疑问]&nbsp;","listText":"Apple need more sales?&nbsp;[疑问]&nbsp;","text":"Apple need more sales? 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Consider drop more than 10% jor... 😅","text":"Yesterday lowest point 55.59 from 64.84. Consider drop more than 10% jor... 😅","html":"Yesterday lowest point 55.59 from 64.84. Consider drop more than 10% jor... 😅"},{"id":5213537,"gmtCreate":1626230068136,"gmtModify":1631894897652,"authorId":3578544701064972,"author":{"id":3578544701064972,"authorId":3578544701064972,"name":"Joe0319","avatar":"https://static.tigerbbs.com/9b84d55e902f3cdc3167d94be984be1f","vip":1,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":145282489,"type":1,"supId":0,"prevId":0,"content":"got fall <u>mehs</u>","text":"got fall <u>mehs</u>","html":"got fall <u>mehs</u>"}],"langContent":"CN"},{"id":145297816,"gmtCreate":1626224591635,"gmtModify":1633928897796,"author":{"id":"3559600969461492","authorId":"3559600969461492","name":"为什么还不涨","avatar":"https://static.tigerbbs.com/f8e04c4715f4b08450494e6f338f4781","vip":1,"crmLevel":2,"crmLevelSwitch":0},"htmlText":"Affirm gg","listText":"Affirm gg","text":"Affirm gg","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/145297816","repostId":2151958567,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":145639732,"gmtCreate":1626220507726,"gmtModify":1633928985250,"author":{"id":"3582778356971864","authorId":"3582778356971864","name":"NgKenny","avatar":"https://static.tigerbbs.com/4fdae3e0bdca8d3a33e7f9d619f0dc88","vip":1,"crmLevel":2,"crmLevelSwitch":0},"htmlText":"Good","listText":"Good","text":"Good","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/145639732","repostId":2151958567,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"}],"isCommentEnd":false,"newsSizeData":{"likeSize":51,"commentSize":10,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"deviceId":"web-server-community-laohu8-v3","version":"4.24.2","shortVersion":"4.24.2","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2151958567"}