My big question is what the interest rates are going to be. Credit cards have turned into a dirty business where people who carry a balance pay exorbitant interest rates, even if they’ve never missed a payment. And the higher the interest rates, the harder it is to pay off the balance. Is that where Apple wants Services revenue growth to come from? Charging people usurious interest rates on their credit card debt?
I’ve been saying that for years now, but I also remain persuaded that the other way Apple’ld be diversifying its operations is by becoming it’s own mobile operator/carrier.
Mobility, constant access to our data, is a huge part of the user experience Apple so much relies on to sell us its devices. And it’s a part where Apple has not much control: Apple is running the date centers, it’s running the apps we use to connect to them and the Mac, iPhone and lPad those apps are running on. Leaving only the network itself in the hands of third parties.
There is no reason for Apple not to try to get a slice of this huge cake, imo.