UJennifer Bailey, usekela-mongameli we-Apple Pay, uthetha ngexesha lokumiliselwa kwemveliso ye-Apple ngo-Matshi 25, 2019 e-Cupertino, California.UMichael Short / Getty Izithombe Ikhadi le-Apple alibonakali njengekhadi letyala. Emva kwayo yonke loo nto, iApple ayisiyo bhanki. Kwaye nangona uninzi lwabantu baseMelika benotyekelo lokuyithemba iApple- jonga nje ukuba bangaphi kuthi abanee-iPhones- ikhadi lamatyala lisesekhadi lokuthenga ngetyala.
Ngaphandle kwazo zonke izibhengezo ezinesitayile kunye nemisitho yokwazisa ngeKhadi le-Apple, le mveliso ayifani nee-AirPods okanye iMacbook yamva nje. Amakhadi etyala aneziphumo zokwenyani, kwaye sonke siyayazi loo nto. (Molo, amanqaku amanqaku ngetyala!) Ke, nangona ingqungquthela emenyezelayo yeApple inokuba nomtsalane ngenxa yendlela yayo entle ye-iPhone-esque, ukusetyenziswa ngokulula kunye nokhuseleko, ungasathethi ke ikhadi le-titanium uqobo Kuya kufuneka sikhumbule ukuba iApple Card inamandla ngendlela eyoyikisayo njengelinye ikhadi lamatyala.
Ngoku, ayikuko ukuba iApple Card izama ukuqhatha abasebenzisi bayo; njengokuba kunjalo, ndicinga ukuba inkampani yenza ukuba kube lula kakhulu ukubanoxanduva lwekhadi letyala. Akukho mrhumo ubandakanyekayo: Akukho mrhumo wonyaka. Akukho mali ihlawulwa kwangaphambili. Akukho mrhumo welinye ilizwe. Akukho ngaphezulu komda ‑ okanye ubuyisele intlawulo yentlawulo. Kwaye okona kubaluleke kakhulu, akukho ntlawulo ifihliweyo, u-Apple ubhala kwiwebhusayithi yayo. Izandi zingaphezulu kokufanelekileyo.
Kwaye, ewe, kukho iibhonasi ekusebenziseni ikhadi. Umzekelo, abasebenzisi bafumana imali yonke imihla-uyivile-phakathi kwepesenti enye ukuya kwezintathu yonke imihla xa usebenzisa iKhadi le-Apple. Ukuchitha i $ 2,000 kwivenkile yeApple nanini na? Ewe, uya kufumana imali engama-60 eedola, ngaloo mini. Emva koko, kukho umkhondo wenkcitho, obaluleke ngokukodwa kuba usebenzisa imephu ukukhomba indawo yentengiselwano nganye oyenzileyo. Ikwalungelelanisa ukuthengwa kwakho ngokwamacandelo kwaye yenza iigrafu ezichaza indlela ochitha ngayo imali. Ukusebenzisa izixhobo ezibonelelweyo, kulula ukuba nobomi obuphilileyo bezezimali. 
Ii-apile zifuna ukukunika ubomi obuphilileyo bezezimali.Ngokunyanisekileyo kwe-Apple
Oko kwathiwa, abasebenzisi kuya kufuneka baqwalasele izaziso ze-Apple kwaye babone ezinye zeendlela, ukuze kugcinwe le mpilo yezezimali isempilweni. Umzekelo, iApple iyakwazisa abasebenzisi ukuba yimalini ekufuneka uyihlawule inyanga nenyanga ukunqanda ukuqokelela inzala, kwaye ayizukubiza mali kade. Kodwa ngaphandle kobubele buka-Apple, inzala iya kudityaniswa kwisiqingatha okanye kwintlawulo yasemva kwexesha, kwaye iseza kuxelwa kumaziko agcina imali ngetyala. I-Apple inokukuvumela ukuba ungahlawuli okanye uphoswe ziintlawulo, kodwa amanqaku akho etyala akazukuvuma.
Umcebisi omkhulu kwezezimali e-NYLAG (Iqela laseNew York loNcedo lwezoMthetho) uKatie Krumpter uthi unexhala lokuba abasebenzisi abayi kwenza unxibelelwano phakathi kweziphumo zokuhlawulwa kade kunye nekhredithi isachaphazeleka. Kwaye oko kunokuba ngumqobo phakathi kokufumana loo ndlu intsha okanye imoto ochithe iminyaka uyigcina. Ngaba iApple izakubalumkisa abasebenzisi bayo ngale nto? Mhlawumbi akunjalo. Khumbula, likhadi lokwenyani elixhaswe nguGoldman Sachs.
Kwaye inyani yokuba ixhaswe nguGoldman Sachs sesinye isizathu sokusondela ngononophelo. Bafumana ntoni kule nto? Ewe, ngokwengxelo kaMorgan Stanley, iKhadi le-Apple, esiqikelela ukuba liza kuqhuba phantse i-21 yezigidigidi zeedola kwimali mboleko ngowama-2023, iyakubonisa kuphela ukonyuka kwama-25 eepesenti kwimali mboleko yeGoldman Sachs kule minyaka mihlanu izayo, kwaye ikwakhankanye ukuba oku kungaphosa iGoldman Sachs kwi-10 ephezulu yabakhuphi bamakhadi base-US kwithuba elifanayo lexesha. UMorgan Stanley ukholelwa ukuba le yinyathelo elililo lenkampani, njengoko uGoldman Sachs efuna ukomeleza amabhizinisi abo. Ke konke konke, kubonakala ngathi ukusekwa kwebhanki kuya kuxhamla kolu bambiswano no-Apple. Kodwa yenza njani imali? Ukukhutshwa kwamatyala abanini bamakhadi etyala-njengaye nawuphi na omnye umniki wekhadi letyala.
UDavid Solomon, umphathi weGoldman Sachs, naye uyonwabele le ntsebenziswano. Ngoba? Kungenxa yokuba uyayithanda iKhadi leApple, alilingayo ngoku, kunye namawakawaka Abasebenzi bakaApple. Inkqubo ye- abeendaba basasaza iingxingwa zikaSolomon , kwaye ulungile, eli khadi yinkcazo yokuphola. Bangaphi abantu abaya kufuna ikhadi lekhredithi le-titanium kunye ne-Apple insignia kunye negama labo elibhalwe kuyo?
UMorgan Stanley ufumanise ukuba iKhadi le-Apple ligcine inqanaba lomdla elizinzileyo ngaphezulu kwazo zonke ezinye iiNkonzo ze-Apple, kwaye kwiveki emva kwesiganeko esikhulu sokubhengezwa kuka-Apple ngo-Matshi, iKhadi le-Apple libone ukukhangela phantse amaxesha asixhenxe kuGoogle njengezinye iinkonzo ezisandula ukubhengezwa. . Wonke umntu uza kulifuna eli khadi. Yinto yokunethezeka enophawu olukhulisa ubushushu.
Kodwa ngaba iApple iyaqonda ukuba yenzelwe ntoni? Ngokwenza kube lula ukuba ubhalise nge-iPhone, iApple izakukhukuliswa zizicelo zeKhadi leApple. Kwaye inkampani ayizukukwazi ukubamkela bonke, ke iya kuqala ngabona basebenzisi bakhuselekileyo ngetyala, kunye nabona bazizityebi, bekhanyisa uxande lwe-titanium olucekeceke kwiirejista zemali apho kunokwenzeka ukuba basebenzise iApple Pay.
Mhlawumbi esona sizathu siphambili sokuba iApple yenze eli khadi kwasekuqaleni yayikukuphucula iApple Pay, inqaku lokuhlawula ebelisetyenziswa kancinci ukusukela oko lakhutshwa ngo-2013. Intengiselwano yedijithali , kuphela iipesenti ezingama-24 zabasebenzisi be-Apple base-US abakhuphele i-Apple Pay ngo-2019. Eli khadi litsha lenzelwe i-Apple Pay, yongeza ukhuseleko kuba i-Apple Card, nokuba ikwi-mobile okanye isipaji somzimba, ayinayo inombolo yekhadi layo, umhla wokuphelelwa kwayo kunye neCVV. Kwaye kuphela ungasebenzisa ikhadi lakho kwisipaji sakho esiphathwayo. Ukuba ubuso bakho abukho phambi kwekhamera, ikhadi alisekho, ngenxa yetekhnoloji yokuqaphela ubuso buka-Apple. Eli khadi lisusa ngokufanelekileyo indlela yesiqhelo yokuba ulwazi lwekhadi letyala. (Sukuba nexhala kubathengi abakwi-Intanethi, kukho indlela ekhuselekileyo nekhuselekileyo yokuba abasebenzisi bafikelele kulwazi lwekhadi labo ngeefowuni zabo.)
Kodwa abasebenzisi abanakho ukusebenzisa ikhadi kumandla apheleleyo akhuselekileyo ngaphandle kweApple Pay, kwaye abanakho ukubuyisa imali yemihla ngemihla ngaphandle kwayo, befuna inqaku leApple Cash ukuba basebenzise imali eyongezelelweyo abayifumanayo. Ke wonke umntu oneKhadi le-Apple kuyakufuneka asebenzise iApple Pay, kwaye amanani okusetyenziswa kwayo aya kunyuka ngemini, azalisekise amathemba namaphupha e-Apple. 
Kubonakala ngathi esona sizathu siphambili sokuba iApple yenze eli khadi lokuthenga ngetyala yayikukuphucula amanani okusetyenziswa kweApple Pay.Ngokunyanisekileyo kwe-Apple
Kukho ezinye izizathu zokuba kutheni iApple iphinda iqulunqe itekhnoloji enamashumi asixhenxe eminyaka ubudala. Ngaleli khadi, isigebenga setekhnoloji siyaqhubeka nendlela yaso yokudala amava abathengi apheleleyo. I-Apple ifuna ukuba yindalo yakho yonke. Kwaye kuya kusondela. Ngayo yonke imveliso entsha ye-Apple okanye i-accessory, kuba lula ngakumbi ukuthenga elandelayo. Kutheni uthengela ii-Beats ii-headphone ezingenazingcingo xa unokufumana ii-AirPod ezihlawulisa ngetshaja ye-iPhone osele unayo? I-Apple ilawula amaqonga othumela kuwo imiyalezo, ubize umnxeba, usebenzise imithombo yeendaba ezentlalo, i-imeyile, ukukhangela kwi-intanethi, ukusebenza, ukumamela umculo, ukubukela iTV, uluhlu luyaqhubeka. Kwaye ngoku, uza kutyikitya ityala lakho kubo, nawe. Ewe, iyoyikeka kancinci, kodwa yi-Apple esiyaziyo nesiyithandayo; kutheni uyeka ngoku? Esi sisiseko somthengi inkampani esebhankini kuye.
Ngaphandle kwazo zonke iimpawu ezintle zekhadi, kwaye zininzi ngokwenene, kubonakala kulula kakhulu. Ngaba wakha wanalo mzuzu xa umdlalo ucela ukuba uvumele izaziso ezityhilayo, kwaye ucofe u-ewe ungakhange ucinge, kodwa xa ufumana amakhulu ezaziso ngeveki kwiFamaVille-izilwanyana zakho zikukhumbula, buyela kwaye ujonge imbewu yakho, imfuyo ilambile , Uthatha isigqibo sokubuyela kuseto kwaye uthintele izaziso? Kungenxa yokuba, masinyaniseke, ubungafuni kwaFarmVille; yayingaphezulu kokukhuphela ukwazi. Nangona iKhadi le-Apple ngokuqinisekileyo alikho lula ukuba ubhalisele, njengoko inenkqubo yokwenza isicelo, ikwanobuzaza ngakumbi kunokuba intengiso ye-Apple isenokubonakala ngathi. Awunakho ukufihla nje izaziso kwiKhadi le-Apple; ayifani nezinye iimveliso zeApple. Ihleli ngoku nangonaphakade kumanqaku etyala, kwaye ukuba abasebenzisi bathembele kakhulu okanye abanankathalo, eli khadi linakho ukubabeka ematyaleni. Ke, kuye wonke umntu onomdla kolu hlobo lutsha, oza kukhutshwa kweli hlobo, khumbula ukuba ikhadi lamatyala likhadi letyala, kwaye iApple Card ayifani.
