Inkqubo yezemali ye-Apple itshintsha kakhulu: I-JPMorgan Chase iza kuthatha indima yomniki-khadi omtsha we-Appleendaweni yeGoldman Sachs, erhoxa kancinci kancinci kweli shishini. Eli nyathelo liphawula ukuphela kwexesha leminyaka emininzi apho inkampani yetekhnoloji kunye nebhanki yotyalo-mali babelane ngeprojekthi kwicandelo lekhadi letyala labathengi.
Ngokwengxelo evela kwinkampani, Inkqubo yokudlulisela imali ayizukwenzeka ngoko nangoko kwaye ingathatha ukuya kuthi ga kwiinyanga ezingama-24.Ngeli xesha, abo sele besebenzisa i-Apple Card, kunye nabo bayicelayo ngexesha lotshintsho, baya kuqhubeka nokusebenza ngendlela eqhelekileyo, ngaphandle kotshintsho olusebenzayo kubomi babo bemihla ngemihla.
Ukuphela komanyano noGoldman Sachs kunye nokufika kukaJPMorgan Chase
U-Apple ukuqinisekisile oko I-JPMorgan Chase iza kuthatha indawo yeGoldman Sachs ngokusesikweni njengomniki wekhadi le-Apple.Oku kuphelisa intsebenziswano eyaqalwa ziinkampani zombini ngo-2019. Ngolu tshintsho, ipotifoliyo yetyala enxulumene nekhadi ngoku iya kulawulwa licandelo labathengi leChase.
Ngexesha leminyaka, Amarhe malunga noGoldman Sachs oshiya ishishini lokuthengisa Bebefumana amandla, ingakumbi emva kokuba ibhanki iqalile ukuphonononga icebo layo lemveliso yabasebenzisi bokugqibela. Iingxelo zangaphambili bezisele zikhombe iJPMorgan njengeyona iphambili ekuthatheni indawo, into eyenzekileyo ngoku.
Kwi-Apple, le ntshukumo ithetha igcina ukunikezelwa kwayo kwamakhadi etyala ngaphakathi kwenkqubo ye-Apple Pay kunye I-Wallet appKodwa iqabane lebhanki eliyixhasayo litshintshile. Indlela yokusebenzisa amava omsebenzisi iya kuhlala ifana, ngolawulo oluvela kwi-iPhone kunye nokuhlanganiswa okuqinileyo neenkonzo zenkampani.
Ukudluliselwa kucwangciswa kancinci kancinci, ngenjongo yokuba Abanini bamakhadi abakhoyo ngoku abayi kufumana naluphi na utshintsho ekusebenzeni kwekhadi labo. Nangona imisebenzi yangaphakathi phakathi kwamaziko emali iqhubeka, akukho kuphazamiseka kweenkonzo okanye utshintsho olukhawulezileyo kwiimeko olulindelekileyo ngeli xesha.
Kwangaxeshanye, uGoldman Sachs ulahla umsebenzi, othe ekuhambeni kwexesha, waphelelwa kukusebenza kwisicwangciso sakhe esiphambili. Ukurhoxa kwibhanki yorhwebo kuyivumela ukuba igxile kwakhona kwibhanki yotyalo-mali kunye nolawulo lobutyebi., iindawo apho ibinempembelelo enkulu khona ngokwembali.
Utshintsho oluya kuthi ga kwiminyaka emibini ngaphandle kotshintsho kumsebenzisi
I-Apple ibhengeze oko Ukudluliselwa ngokupheleleyo kweKhadi le-Apple kwi-JPMorgan Chase kungathatha ukuya kwiinyanga ezingama-24Eli xesha lenzelwe ukulawula zonke iinkalo zobugcisa, zomthetho, kunye nokusebenza ezibandakanyekayo ekutshintsheni komniki-mveliso.
Okwangoku, I-Apple Card iza kuqhubeka isebenza kwi Inethiwekhi yeMastercardNgoko ke, imisebenzi kwiivenkile ezibonakalayo nakwi-intanethi iya kuqhubeka njengangaphambili. Ngokwembono yomnini-khadi, ukuthengwa, iintlawulo kunye nokubuyiselwa kwemali kuya kuqhubeka kucutshungulwa ngaphandle kotshintsho olubonakalayo.
Le nkampani ikwagxininisile ukuba, okwangoku, Akuyi kubakho tshintsho kwinkqubo yokufaka isicelo samakhadi amatsha.Abathengi aba-odola i-Apple Card ngexesha lotshintsho baya kufumana iingenelo kunye neempawu ezifanayo nezabasebenzisi abakhoyo, ezidityaniswe kwi-app yeWallet. Ukuze ufumane amanyathelo okusebenzisa, jonga indlela yokwenza oku sebenzisa ikhadi elibonakalayo kwi-iPhone yakho.
Ngokuphathelele unxibelelwano nabathengi, kucwangcisiwe ukuba Abanini bezabelo baza kufumana izaziso njengoko izigaba ezahlukeneyo zotshintsho zihlanganiswa.Ngale ndlela, abo sele besebenzisa ikhadi baya kwaziswa kwangethuba ngalo naluphi na utshintsho olusebenzayo okanye olusemthethweni olunokubachaphazela kwixesha elizayo. Iinkcukacha ezithe vetshe malunga nophuhliso lwenkonzo zifakiwe kuhlalutyo lwendlela I-Apple Card iye yatshintsha.
Ngokwembono yomthetho, olu tshintsho kuya kufuneka ludlule kwiindlela eziqhelekileyo zolawulo lwezemali. Nangona kungekho miqobo ibalulekileyo elindelekileyo, Abasemagunyeni kuya kufuneka bahlolisise ukudluliselwa kwepotifoliyo kunye noxanduva olutsha lweJPMorgan. njengesixhobo esikhupha eli khadi esinxulumene ne-Apple ecosystem. Kubalulekile kwakhona ukuqwalasela ngokwemigaqo yokusetyenziswa ezilawula imveliso.
Ukudluliselwa kwepotifoliyo edlula i-$20.000 yeebhiliyoni
Kwicala leebhanki, isivumelwano sithetha ukuba I-JPMorgan Chase iza kufaka imali engaphezulu kwe-20.000 yeebhiliyoni zeerandi kwiibhalansi zekhadi letyala Ezi mali zivela kwipotifoliyo ye-Apple Card, eyayilawulwa yiGoldman Sachs ngaphambili. Le mali iza kufakwa kwishishini lekhadi letyala likaChase.
Ngokwengcaciso enikiweyo, IGoldman Sachs ithengisa ezi mpahla ngesaphulelo esimalunga ne-1.000 yeebhiliyoni zeerandi kwixabiso layo eliqhelekileyo. Olu nciphiso lubonisa iindleko zokuphuma kwisivumelwano kunye nokuzimisela kwebhanki ukukhawulezisa ukurhoxa kwayo kwicandelo labathengi.
Ngaphezu koko, uGoldman Sachs ubonise ukuba, xa ejonge phambili kwikota yesine ka-2025, ilindele ukurekhoda isibonelelo esimalunga ne-$2.200 yezigidigidi ukugubungela ilahleko zetyala ezinokubakho ezinxulumene nezibophelelo zokuthenga kwangaphambili ezinxulumene ne-Apple Card.
KwiJPMorgan Chase, intengiselwano imele ukuqinisa isikhundla sayo kwishishini lamakhadi kunye neentlawulo zedijithali, indawo apho yayisele inamandla kakhulu khona, ingakumbi eMelika. Ubudlelwane neApple buvula ithuba lokuba kubekho abathengi abaninzi abanxulumene nenkqubo yebhrendi. Ukongeza, iimveliso ezinje ngokhetho lokuthenga ngezavenge zinokuncediswa yile ntsebenziswano (ukuthengwa ngezavenge).
Olu tshintsho lukwahambelana nesicwangciso seenkampani ezinkulu ukubheja kwiimveliso zemali ezidityaniswe kakhulu kumaqonga obuchwephesheapho amava omsebenzisi kunye neentlawulo zedijithali zidlala indima ephambili ngakumbi.
Imvelaphi yeKhadi le-Apple kunye nendima kaGoldman Sachs
I-Apple Card yasungulwa ngo-2019 ngenxa yentsebenziswano phakathi kwe-Apple kunye neGoldman Sachs, ngombono wokuba ukubonelela ngekhadi letyala eliyilelwe kwasekuqaleni imeko-bume yedijithaliUkususela ekuqaleni, yavezwa njengemveliso eyenzelwe ukulawulwa yi-iPhone, igxile kakhulu ekubonakaleni nasekulawuleni inkcitho.
Phakathi kweempawu ezikhethekileyo zokuqaliswa, kubalulekile ukuqaphela ukuba Akukho mali yokuhlawula emva kwexesha okanye amazinga enzala esohlwayo asetyenzisiweyo ngendlela efana nezinye iikhadi zetyala zemveli. Injongo yayikukwenza kube lula ukusebenzisa imiqathango nokuphepha iindleko ezongezelelweyo ekunzima ukuziqonda kumsebenzisi oqhelekileyo.
KuGoldman Sachs, imanyano yayithetha ukungena kwayo okubonakalayo kwiibhanki zabathengiUkusuka kwiprofayili yayo yakudala egxile kubathengi bezikhungo kunye nabantu abaxabisa kakhulu. Nangona kunjalo, ngokuhamba kwexesha, olu tshintsho lwesicwangciso-qhinga lwalahlekelwa lubaluleko phakathi kwezinto eziza kuqala.
Nangona kunjalo, i-Apple Card ikwazile ukuzibeka njengokhetho olufanelekileyo kwimeko ye-Apple Pay, ingakumbi phakathi kwabo baxabisayo Ukudibanisa ngokuthe ngqo ne-app yeWallet kunye nezixhobo zolawulo lwezemali eziquka izibalo zenkcitho, izaziso, kunye neendlela zokuhlawula eziguquguqukayo.
Kwiminyaka edlulileyo, iingxelo zokuzimisela kukaGoldman Sachs ukuhlukana nolu hlobo lwamashishini zafumana umdla, nto leyo eyakhokelela kwisivumelwano sangoku apho I-JPMorgan Chase iza kuthatha ubunkokeli kwimveliso.
Iingenelo zeKhadi le-Apple eziseleyo
Ngokuphathelele iingenelo ezithe ngqo kumniniyo, iApple igxininise ukuba Iimpawu eziphambili zeKhadi le-Apple ziya kuhlala zisebenza. Nangona kutshintshe umntu okhupha ikhadi, ulwakhiwo lwemivuzo kunye nokusebenza ngokubanzi kwekhadi kuya kuqhubeka njengangaphambili.
Ikhadi likuvumela ukuba ufumane Imali ebuyayo ukuya kuthi ga kwi-3% yemihla ngemihla kwizinto ezithengiweyo kwi-Apple kunye namaqabane akhethiweyoImbuyekezo yemali eyi-2% kwiintlawulo ezenziwe nge-Apple Pay kunye ne-1% xa usebenzisa ikhadi elibonakalayo. Le nkqubo yembuyekezo yemali iye yaba yenye yezona zinto ziphambili ezithengiswayo kule mveliso.
Ngokufanayo, Ukuhlanganiswa ngokupheleleyo ne-app yeWallet kuya kuqhubeka nokuba yintsika ephambiliKwi-iPhone, abasebenzisi banokubona iintengiselwano, iindleko zeqela ngokweendidi, iintlawulo zeshedyuli, kunye nokujonga ngokweenkcukacha umdla osetyenzisiweyo, kunye nomboniso owenzelwe ukuba ucace kangangoko kunokwenzeka.
Izixhobo ezijolise kwimfundo yezemali, ezifana ukubona impembelelo yokuhlawula ngaphezulu okanye ngaphantsi inyanga nenyanga Izaziso malunga nemihla yokugqibela kunye neminye imihla yokugqibela zihlala ziyinxalenye yamava. Injongo kukunceda abasebenzisi ukuba benze izigqibo ezinolwazi ngakumbi malunga nendlela yokulawula amatyala abo.
I-JPMorgan Chase ibonise ukuba injongo yayo kukuba gcina umsebenzi oyintloko owakhiwe yi-Apple ujikeleze ikhadiukuphepha utshintsho olukhawulezileyo olunokubangela ukungavisisani phakathi kwabanini beeakhawunti. Ukusuka apho, ixesha liza kuxela ukuba ngaba iindlela ezintsha okanye iinkonzo ezongezelelweyo ziyaziswa na.
Impembelelo kwicandelo lezemali kunye nembono yeYurophu
Ngaphaya kwemeko ethile ye-Apple Card, intshukumo yinxalenye umkhwa obanzi wentsebenziswano phakathi kweebhanki ezinkulu kunye neenkampani ezinkulu zobuchwepheshe ukubonelela ngeemveliso zemali ezidityaniswe kumaqonga edijithali. Ezi ntsebenziswano zidibanisa izakhono zobuchwepheshe zeenkampani ezifana ne-Apple kunye neziseko zolawulo zeenkampani ezifana ne-JPMorgan.
Ukurhoxa kukaGoldman Sachs kwi-Apple Card kuyinxalenye yokurhoxa ngokubanzi kwiibhanki zokuthengisa, ngelixa I-JPMorgan iqinisa ukuzibophelela kwayo kwiintlawulo zedijithali kunye namakhadi aneempawu ezifanayoOlu hlobo lwezivumelwano luya luxhaphaka ngakumbi, ingakumbi kwiimarike ezifana ne-United States, apho ukhuphiswano kumakhadi etyala lunamandla kakhulu.
Kwimeko yaseYurophu naseSpain, i-Apple Card ayikafumaneki okwangoku, kodwa Ezi ntshukumo zinokuchaphazela izigqibo zokwandisa kwixesha elizayoUkuba neqabane elifana neJPMorgan, elinobukho obuqinileyo kwihlabathi liphela, kunokunceda ekufikeni kwemveliso kwezinye iimarike kwixesha eliphakathi okanye elide, ukuba nje iimeko zomthetho nezeshishini ziyakuvumela oko.
Okwangoku, abasebenzisi baseYurophu bayaqhubeka nokuthembela kakhulu kwi amakhadi akhutshwe ziibhanki zasekuhlaleni kunye nezisombululo zokuhlawula ze-Apple Pay ezinxulumene nezo zinto. Amava angoku aquka ukwenza amakhadi akhoyo abe yidijithali endaweni yokusebenzisa imveliso yetyala eyilwe ngokukodwa yi-Apple.
Ukuba i-Apple ibinokugqiba ekubeni iqalise ikhadi layo eYurophu, kuya kufuneka yenze njalo. ukuziqhelanisa nesakhelo solawulo loluntu kunye neenkcukacha zemarike yeebhanki kwilizwe ngalinyeInto engekabonakali. Iimpawu ezinje iimpawu zorhwebo ezithile ezibhaliswe yi-Apple Bakhuthaza ukurhanela malunga nokufika okunokwenzeka.
Ngolu tshintsho lomniki-mali, i-Apple Card iqala inqanaba elitsha apho I-JPMorgan Chase ithatha indawo ephambili kwiibhanki njengoko iGoldman Sachs irhoxa kwindawo yesiganekoNangona kubasebenzisi isithembiso sesokuqhubeka: imivuzo efanayo, ukuhlanganiswa okufanayo ne-iPhone kunye nenkqubo ende yotshintsho kodwa yenzelwe ukuba ingabonakali kangangoko kunokwenzeka.
