Kua sai sai no yuav tso cai rau cov neeg siv iPhone tso cov credit card khoom plig los ntawm Apple Card thiab cov nyiaj ntxiv los ntawm cov nyiaj hauv tuam txhab txawv teb chaws mus rau hauv cov nyiaj qiv nyiaj uas muaj paj laum.
Nyob rau hauv ib tug xovxwm tso tawm Hnub Thursday, Apple tau hais tias qhov tshwj xeeb yuav tsum tau tshaj tawm hauv "lub hlis tom ntej," thiab FDIC-insured account yuav raug tswj hwm los ntawm Goldman Sachs, lub txhab nyiaj thiab qiv nyiaj tom qab Apple Card. Apple tau hais tias nws tseem tsis tau tshaj tawm cov txiaj ntsig txhua xyoo tseem vim tias cov paj laum tau nrawm nrawm.
Kua yog expanding nws cov neeg siv khoom siv nyiaj txiag muab kev pabcuam raws li nws nrhiav kev nthuav dav ntawm kev siv iPhones nrog kev ua lag luam thiab kev them nyiaj yooj yim thiab credit nta. Lub tuam txhab ua haujlwm them nyiaj nrog Apple Pay thiab muab daim npav rho nyiaj. Nws muaj cov phiaj xwm tso cai rau tib neeg siv iPhones ua cov khoom muag muag thiab muab "yuav tam sim no, them nyiaj tom qab" qiv tom qab xyoo no.
Goldman Sachs, ntev lub npe hu ua Premier Wall Street peev nyiaj lag luam, kuj tseem txhawb nqa nws cov neeg siv khoom lag luam, ib nrab los ntawm kev koom tes nrog Apple. Apple qhov yuav tam sim no, them nyiaj tom qab cov khoom yuav siv qee qhov Goldman infrastructure, tab sis Apple hais tias nws npaj ua nws tus kheej kev txiav txim siab credit thiab txuas ntxiv qiv nyiaj.
Los ntawm kev dhia mus rau hauv cov nyiaj paj laum, Apple tab tom nqis peev ntawm kev nce nqi raws li Tsoom Fwv Teb Chaws Reserve sim txo qis kev nce nqi nce ntxiv. Ntau lub tsev txhab nyiaj cib-thiab-mortar tsis tau nce cov paj laum ntawm cov nyiaj khaws cia txawm tias cov nqi dav dav nce mus. Lub teb chaws nruab nrab cov paj laum rau cov nyiaj khaws cia tsuas yog 0.16%, raws li kev tshawb fawb Bankrate.
Apple cov neeg sawv cev tau hais tias cov nyiaj khaws cia yuav muab cov paj laum uas sib tw, nrog cov nqi zoo tshaj plaws, thiab yuav zoo ib yam rau txhua tus neeg siv.
Goldman Sachs twb muaj cov nyiaj khaws cia los ntawm nws lub npe Marcus uas muaj 2.15% feem pua txhua xyoo.
Apple tau hais tias nws yuav tsis xav kom muaj cov nyiaj tshuav tsawg kawg nkaus thiab nws yuav tsis them tus nqi. Cov neeg siv tuaj yeem tso nyiaj rau Apple Card khoom plig, hu ua Daily Cash, rau hauv tus account.
Hauv Wallet app, cov neeg siv yuav tuaj yeem nkag mus rau lub dashboard uas qhia cov nyiaj tshuav thiab cov paj laum. Apple tau hais tias qhov tshwj xeeb yuav pib nthuav tawm rau beta testers los ntawm kev tso tawm iOS yav tom ntej thiab rau txhua tus neeg siv hauv lub hlis tom ntej.
SAIB: Goldman Sachs tau pom zoo cov qhab nia subprime credit rau Apple Cards
Tau qhov twg los: https://www.cnbc.com/2022/10/13/apple-goldman-sachs-introduce-interest-bearing-savings-accounts.html