Apple Yuav Ua Li Cas Pom Zoo Thiab Klarna Nrog Nkag Mus Yuav Tam Sim No Them Tom Qab

Ntsiab Cai

• Apple tuav nws cov lus tseem ceeb ntawm WWDC rau hnub Monday, tshaj tawm iOS 16, M2 nti tshiab thiab ntau lwm yam tshiab thiab thev naus laus zis.
• Lawv kuj tau tshaj tawm ib qho kev tawm tsam rau hauv Kev Lag Luam Yuav Tam Sim No Them Tom Qab, nrog Apple Pay Tom qab muab tso rau hauv iOS 16.
• Nrog Klarna tseem yog ib lub tuam txhab ntiag tug thiab Afterpay tsis ntev los no tau los ntawm Block, Affirm yog qhov nyuaj tshaj plaws los ntawm cov xov xwm nrog nws cov nqi sib tw poob tom qab tshaj tawm

Yog tias koj muaj kev lag luam thiab yuav tsum xaiv lub tuam txhab koj yuav txhawj xeeb tshaj plaws txog kev nkag mus rau koj lub lag luam, Apple yuav tsum tau zoo nkauj ntawm cov npe ntawd. Nrog cov nyiaj tau los hauv 2021 ntawm $ 365 billion thiab ntau dua $ 200 billion nyiaj hauv tuam txhab nyiaj, Apple muaj qhov ntsuas tseem ceeb thiab cov hnab ntim tob tob.

Ntawm lawv lub Rooj Sib Tham Thoob Ntiaj Teb Thoob Ntiaj Teb (WWDC), Apple tshaj tawm tias lawv yuav nkag mus rau qhov chaw loj hlob sai sai Yuav Tam Sim No Them Tom Qab (BNPL) qhov chaw, uas tau dhau los ua tus thawj coj los ntawm upstarts zoo li Affirm thiab Klarna. Cov tuam txhab no tsis yog cov khoom me me ntxiv lawm, nrog Affirm, piv txwv li, tuav kev koom tes nrog cov khw muag khoom loj xws li Walmart thiab Amazon.

Txawm li cas los xij, qhov no yog Apple. Lub tuam txhab uas siv $ 6 nphom - yuav luag qhov sib npaug ntawm Affirm tag nrho lub khw muag khoom - ntawm ib tug puv tes ntawm TV qhia rau nws cov Apple TV + kev pab cuam tso rau xyoo 2019. BNPL cov tuam txhab tuaj yeem zam txim rau qhov kev ntxhov siab me ntsis.

Apple's WWDC tshaj tawm

WWDC yog ib qho kev tshwm sim kub ntxhov nyob rau hauv daim ntawv qhia hnub thev naus laus zis txhua xyoo. Nws yog Apple lub yeeb yam loj rau lub ntiaj teb ntawm qhov lawv tau npaj rau lawv cov khoom thiab cov kev pabcuam hauv xyoo tom ntej. Lub hom phiaj tseem ceeb ntawm qhov kev nthuav qhia yog nthuav tawm rau cov neeg tsim tawm thib peb kom muab sijhawm rau lawv los ua haujlwm ntawm cov tshiab lossis hloov tshiab thiab cov khoom siv uas siv Apple cov yam ntxwv tshiab thiab thev naus laus zis yav tom ntej.

Raws li koj xav tau, tshaj tawm ntawm Macbooks tshiab, iPhones thiab iOS nta tau txais txiaj ntsig ntau npaum li qhov nruab nrab Joe tab tom nrhiav kev txhim kho. Thaum peb zoo li yav dhau los lub sijhawm ntawm mais-ntev queues rau lub iPhone tshiab, feem ntau muaj xov xwm ntau kom tau txais cov buzz mus.

Peb yuav tau mus rau Apple qhov kev pabcuam BNPL tshiab, Apple Them Tom Qab, hauv ib feeb, tab sis kuj tseem muaj ntau qhov tshaj tawm ntawm xyoo no WWDC. iOS 16 tau teeb tsa kom tau txais qee qhov hloov tshiab tseem ceeb. Cov no suav nrog lub peev xwm los hloov kho thiab tsis xa iMessages, lub xauv npo uas tuaj yeem hloov kho uas yuav tso cai rau kev tswj hwm ntau dua ntawm cov apps yam tsis tau qhib thiab muaj peev xwm siv koj lub iPhone ua lub webcam rau koj Mac.

Los ntawm kev xav txog kho vajtse, Apple yuav pib ua raws li lawv cov kev saib xyuas hauv tsev microchip, M1. Lub Macbook Air uas tau tsim tshiab yuav yog thawj Mac tau txais M2 nti tshiab, nrog rau Macbook Pro kuj tau txais kev kho vajtse hloov tshiab. Tsis muaj lus hais txog lub sijhawm xa khoom ntawm cov cuab yeej tshiab kawg, thiab nws yuav nyob twj ywm kom pom seb nws puas cuam tshuam los ntawm lub ntiaj teb. microchip tsis txaus.

Download Q.ai rau iOS no rau ntau cov ntsiab lus nqis peev thiab nkag mus rau ntau dua kaum tawm AI-powered peev tswv yim. Pib nrog tsuas yog $ 100 thiab tsis txhob them cov nqi lossis cov nyiaj them poob haujlwm.

Apple Them Tom Qab, piav qhia

Tau kawg, Apple tshaj tawm tias iOS 16 tseem yuav tuaj nrog nws tus kheej BNPL tom qab kev pabcuam, Apple Them Tom Qab. Qhov tshiab feature yuav tso cai rau cov neeg siv Asmeskas them nyiaj rau kev yuav khoom hauv plaub lub hlis dhau rau lub lis piam. Lawv yuav tsis them cov paj laum lossis nqi rau tus neeg siv, thiab Apple Pay Tom qab siv tau rau txhua qhov kev lag luam ua tiav siv Apple Pay.

Qhov no yog qhov teeb meem loj rau cov neeg uas twb muaj lawm hauv kev ua lag luam, xws li Affirm. Apple Pay kev saws me nyuam yog snowballing, nrog cov neeg siv khoom thiab cov khw muag khoom nce ntawm qhov zoo siab. Thaum tag nrho kev txiav txim siab yuav tsum tau khaws cia kom txog thaum cov khoom tiav raug tso tawm, nws yuav yog qhov kev xav ncaj ncees uas kev koom ua ke ntawm Apple Pay thiab Apple Them Tom Qab yuav slick.

Cov theem ntawm kev sib koom ua ke yuav muab qhov kev sib tw tam sim ntawd rau Apple tshaj cov players uas twb muaj lawm hauv kev ua lag luam. Pom zoo thiab Klarna tau nqis peev ntau heev rau kev koom tes nrog cov khw muag khoom thiab tau muaj txiaj ntsig zoo. Txawm li cas los xij, Apple muaj peev xwm coj qhov kev koom ua ke no mus rau lwm qib.

Nws kuj tsis yog Apple thawj qhov kev tawm tsam rau hauv kev lag luam nyiaj txiag-cov khoom lag luam. Tau ntau xyoo, lawv tau tso cai rau cov neeg siv khoom them nyiaj rau cov khoom yuav los ntawm Apple lub khw, xws li Macbooks thiab iPhones. Txij li xyoo 2019, lawv kuj tau muab lawv daim npav rho nyiaj rau Asmeskas cov neeg siv khoom hauv kev koom tes nrog Goldman Sachs.

Yuav Tam Sim No Them Tom Qab Ua Haujlwm Li Cas?

Tsis muaj nqi thiab tsis muaj paj laum, Apple Them Tom Qab xav kom tau nyiaj li cas? Cov ntsiab lus pom tseeb tseem tsis tau tso tawm, tab sis peb tuaj yeem saib rau lwm lub tuam txhab hauv kev lag luam rau qee qhov kev nkag siab.

Pom zoo, piv txwv li, tsim cov nyiaj tau los ntawm ntau txoj kev sib txawv. Lawv them cov paj paj rau qee yam ntawm lawv cov khoom qiv, tab sis yuav luag ib nrab ntawm lawv cov nyiaj tau los los ntawm cov nqi them rau cov tub lag luam.

Qhov no txhais tau li cas yog tias koj yuav ib yam dab tsi los ntawm Amazon siv Affirm, Amazon yuav them Affirm tus nqi rau kev yooj yim rau kev hloov pauv. Qhov laj thawj tseem ceeb uas lawv ua qhov no yog cov ntaub ntawv qhia tias muaj BNPL nce kev muag khoom hloov pauv thiab qhov nruab nrab qhov loj me.

Teem ib qho kev coj ncaj ncees ntawm lub tswv yim no rau ib feeb, cov neeg siv khoom yuav siv sij hawm ntau thiab kav khw ntau dua yog tias lawv tuaj yeem ncua kev them nyiaj. Nrog rau lub network loj ntawm cov tub lag luam twb tau txais Apple Pay, nws zoo li yuav yog qhov yooj yim ntxiv rau lawv kom txais Apple Them Tom Qab.

Kev tsis sib haum xeeb nyob ib puag ncig Yuav Tam Sim No Them Tom Qab

Kev lag luam tsis yog tsis muaj nws cov kev cov nyom thiab tau raug hluav taws los ntawm cov neeg ntseeg tias nws txhawb nqa kev siv nyiaj tsis muaj txiaj ntsig thiab tsom rau cov neeg tau nyiaj tsawg. Qhov teeb meem no tau sib xyaw ua ke los ntawm qhov tseeb tias ntau tus neeg muab kev pabcuam BNPL txhob qhia tag nrho lawv cov nyiaj qiv rau credit bureaus thiab feem ntau tsis ua ib qho kev kuaj xyuas credit rau cov qiv nyiaj tshiab.

Qhov no tuaj yeem ua rau nws yooj yim dua rau cov neeg siv khoom poob rau hauv cov nuj nqis thaum tso cai rau lawv mus txuas ntxiv mus ntxiv credit. Tab sis vim tias Affirm tsis them cov paj laum lossis cov nqi lig rau ntau cov khoom, vim li cas qhov no yog qhov teeb meem? Qhov tseem ceeb, nws yog vim thaum kawg lawv yuav dhau cov nuj nqis rau lwm tus.

Raws li Affirm, lawv tuaj yeem them tawm qiv nyiaj yog tias tsis them nyiaj rau 120 hnub. Qhov no feem ntau txhais tau hais tias cov nyiaj qiv yog yuav los ntawm lub koom haum sau cov nuj nqis, thiab lawv yeej tsis txaus siab txog cov paj laum thiab cov nqi lig.

Qhov kev tsis sib haum xeeb no ua rau cov neeg tswj hwm saib xyuas kev lag luam. Xyoo tas los no, Consumer Financial Protection Bureau tshaj tawm tias lawv yuav tau saib mus rau hauv cov tuam txhab xws li Affirm, Paypal thiab Afterpay tshaj kev txhawj xeeb txog kev nce nqi ntawm cov neeg siv khoom thiab kev siv cov ntaub ntawv tus kheej.

Kev lag luam nws tus kheej pom tseeb thawb rov qab rau cov lus iab liam no. Lawv sib cav tias BNPL muab cov neeg siv khoom yooj yim dua thiab kev xaiv ntawm lawv cov kev siv nyiaj thiab, yog li ntawd, ua kom yooj yim rau kev tswj hwm tsev neeg nyiaj txiag.

Qhov cuam tshuam rau Affirm

Thaum Klarna thiab Afterpay tuav lub kev lag luam loj tshaj plaws Hauv Teb Chaws Asmeskas BNPL kev ua lag luam thaum kawg ntawm 2021, Affirm tau loj hlob sai. Yuav tsum tau txo qis ob lub tuam txhab nyiaj ntau lab daus las kom tau txais kev lag luam qhov chaw siab tshaj plaws, nws tsis xav tsis thoob tias Apple tau tua Affirm tus nqi sib koom.

Tus Affirm share price reacted tam sim ntawd, poob ntau dua 7% thaum sawv ntxov ntawm Apple cov lus tshaj tawm. Lub hauv caug-jerk cov tshuaj tiv thaiv yog tias Apple Them Tom Qab yuav tso tseg Affirm down the pecking order and txo lawv cov peev nyiaj los ntawm kev noj cov khoom lag luam.

Qhov no tuaj yeem sau cov xov xwm tsis zoo rau Kev Pom Zoo hauv lub sijhawm luv, tab sis nrog rau feem ntau ntawm kev nqis peev, nws tsis yog xim dub thiab dawb. Txhawm rau saib qhov no los ntawm lwm lub kaum sab xis, Apple nkag mus rau BNPL kev lag luam tuaj yeem pab cov tuam txhab xws li Affirm thiab Klarna nyob rau lub sijhawm ntev.

Qhov no yog vim Apple muaj peev xwm ua rau BNPL ncuav qab zib ntau dua tag nrho. Thaum Affirm tuaj yeem ua rau poob qis feem pua ​​​​ntawm kev lag luam, yog tias qhov feem pua ​​​​me me ntawm kev ua lag luam loj dua, lawv tseem tuaj yeem loj hlob ntawm qhov tseeb.

Cov kws tshuaj ntsuam xyuas los ntawm Morgan Stanely tau tawm tswv yim tias Apple Pay cov neeg siv khoom zoo li yuav muaj cov nyiaj tau los ntau dua thiab ntau dua lwm qhov credit. Qhov no tuaj yeem pab ua kom muaj kev lag luam raug cai ntxiv thiab ua rau cov neeg siv khoom txaus siab rau kev siv BNPL.

Lub cib fim rau cov tub ua lag luam

Cov ntawv tshaj tawm no tau hais txog qhov hloov pauv sai npaum li cas ntawm cov thev naus laus zis. BNPL yog tag nrho kev lag luam uas tau tshwm sim los ntawm tsis muaj dab tsi hauv kaum xyoo dhau los, ua rau muaj ntau lub tuam txhab nyiaj ntau txhiab daus las tawm ntawm nws rov qab.

Nyob rau sab saum toj ntawm cov tuam txhab tshiab uas yuav nqis peev, qhov no tseem cuam tshuam cov hauv kev rau cov neeg tsim khoom kom nthuav dav, raws li Apple muaj nrog Apple Pay Tom Qab. Txawm hais tias qhov no txhais tau tias muaj ntau txoj kev nqis peev los xav txog, nws kuj ua rau nws nyuaj rau kev taug qab.

Ntawm Q.ai, peb tau tsim cov Emerging Tech Kit saib xyuas qhov ntawd rau koj. Nrog cov khoom siv no, koj tuaj yeem nyob ua ntej ntawm kev ua lag luam ntawm lwm tiam neeg, cov tuam txhab thev naus laus zis.

Download Q.ai rau iOS no rau ntau cov ntsiab lus nqis peev thiab nkag mus rau ntau dua kaum tawm AI-powered peev tswv yim. Pib nrog tsuas yog $ 100 thiab tsis txhob them cov nqi lossis cov nyiaj them poob haujlwm.