Uhlelo lwezezimali lwe-Apple lushintsha kakhulu: I-JPMorgan Chase izothatha indima yomkhiqizi omusha we-Apple Cardesikhundleni seGoldman Sachs, ehoxa kancane kancane kuleli bhizinisi. Lesi sinyathelo siphawula ukuphela kwesikhathi seminyaka eminingi lapho inkampani yezobuchwepheshe kanye nebhange lokutshala imali babelane khona ngephrojekthi esigabeni samakhadi esikweletu sabathengi.
Ngokwesitatimende sale nkampani, Inqubo yokudlulisa ngeke isheshe futhi ingathatha izinyanga ezingafika kwezingu-24.Phakathi nalesi sikhathi, labo asebevele besebenzisa i-Apple Card, kanye nalabo abayicelayo ngesikhathi sokuguquka, bazoqhubeka nokusebenza ngendlela evamile, ngaphandle kwezinguquko ezingokoqobo empilweni yabo yansuku zonke.
Ukuphela kobudlelwano noGoldman Sachs kanye nokufika kukaJPMorgan Chase
U-Apple ukuqinisekisile lokho I-JPMorgan Chase izothatha indawo yeGoldman Sachs ngokusemthethweni njengomhlinzeki we-Apple Card.Lokhu kuqeda ukubambisana okwaqalwa yizinkampani zombili ngo-2019. Ngalolu shintsho, iphothifoliyo yesikweletu ehlotshaniswa nekhadi manje izophathwa yisigaba sabathengi seChase.
Phakathi neminyaka, Amahemuhemu mayelana noGoldman Sachs oshiya ibhizinisi lokuthengisa Bebelokhu bethola amandla, ikakhulukazi ngemuva kokuba ibhange liqale ukubuyekeza isu lalo lomkhiqizo wabasebenzisi bokugcina. Imibiko yangaphambilini yayivele ikhombe i-JPMorgan njengenkampani ehamba phambili ezothatha izintambo, into eseyenzekile manje.
Ku-Apple, lokhu kusho ukuthi igcina ukunikezwa kwayo kwamakhadi esikweletu ngaphakathi kwe-Apple Pay ecosystem kanye Uhlelo lokusebenza lwe-WalletKodwa umlingani wasebhange osekela lokhu ushintshile. Indlela yokusebenzisa izohlala ifana, ngokulawulwa okuvela ku-iPhone kanye nokuhlanganiswa okuqinile nezinsizakalo zenkampani.
Ukudluliselwa kuhlelwa kancane kancane, ngenhloso yokuthi Abanikazi bamakhadi bamanje ngeke babhekane nanoma yiziphi izinguquko ekusebenzeni kwekhadi labo. Ngenkathi imisebenzi yangaphakathi phakathi kwezikhungo zezimali iqhubeka, akukho ukuphazamiseka kwesevisi noma izinguquko ezisheshayo ezimweni ezilindelekile phakathi nalesi sigaba.
Ngesikhathi esifanayo, iGoldman Sachs iyazilahla emsebenzini, ngokuhamba kwesikhathi, owawungasafaneleki esu layo eliyinhloko. Ukuhoxa ebhange lokuthengisa kuyivumela ukuthi igxile kabusha ebhange lokutshalwa kwezimali kanye nokuphathwa kwengcebo., izindawo lapho ibilokhu inethonya elikhulu khona ngokomlando.
Ushintsho olufika eminyakeni emibili ngaphandle kwezinguquko kumsebenzisi
U-Apple umemezele lokho Ukudluliselwa okuphelele kwe-Apple Card ku-JPMorgan Chase kungathatha izinyanga ezingafika kwezingu-24Lesi sikhathi senzelwe ukuphatha zonke izici zobuchwepheshe, zomthetho, kanye nokusebenza ezihilelekile ekushintsheni komkhiphi.
Okwamanje, I-Apple Card izoqhubeka nokusebenza ku- Inethiwekhi ye-MastercardNgakho-ke, ukusebenza ezitolo ezingokoqobo kanye naku-inthanethi kuzoqhubeka njengakuqala. Ngokombono womnikazi wekhadi, ukuthenga, izinkokhelo, kanye nokubuyiselwa kwemali kuzoqhubeka nokucutshungulwa ngaphandle kwezinguquko ezibonakalayo.
Le nkampani iphinde yagcizelela ukuthi, okwamanje, Ngeke kube nezinguquko enkambisweni yokufaka isicelo samakhadi amasha.Abathengi aba-oda i-Apple Card ngesikhathi soshintsho bazothola izinzuzo nezici ezifanayo nezabasebenzisi abakhona, ezihlanganiswe kuhlelo lokusebenza lwe-Wallet. Ukuze uthole izinyathelo ezisebenzayo zokusebenzisa, bheka ukuthi kanjani sebenzisa ikhadi elingokoqobo kusuka ku-iPhone yakho.
Ngokuphathelene nokuxhumana namakhasimende, kuhlelwe ukuthi Abanikazi bazothola izaziso njengoba izigaba ezahlukene zoshintsho zihlanganiswa.Ngale ndlela, labo asebevele besebenzisa ikhadi bazokwaziswa kusengaphambili nganoma yiziphi izinguquko zokusebenza noma zomthetho ezingabathinta esikhathini esizayo. Imininingwane eyengeziwe ngokuthuthuka kwensizakalo ifakiwe ekuhlaziyweni kwendlela i- I-Apple Card ibilokhu ishintsha.
Ngokombono wokulawula, lokhu kuthutha kuzodingeka kudlule ezindleleni ezivamile zokuqapha ezezimali. Nakuba kungekho zithiyo ezibalulekile ezilindelekile, Iziphathimandla kuzodingeka zibukeze ukudluliselwa kwephothifoliyo kanye nemithwalo yemfanelo emisha ye-JPMorgan. njengenhlangano ekhipha leli khadi exhunywe ohlelweni lwe-Apple. Kubalulekile futhi ukucabangela imigomo yokusetshenziswa ezilawula umkhiqizo.
Ukudluliswa kwephothifoliyo edlula amaRandi ayizigidigidi ezingama-20.000
Kusukela ohlangothini lwebhange, isivumelwano sisho ukuthi I-JPMorgan Chase izofaka imali engaphezu kwezigidigidi ezingama-20.000 zamaRandi ebhalansini yamakhadi esikweletu Lezi zimali zivela kuphothifoliyo ye-Apple Card, eyayiphethwe yi-Goldman Sachs ngaphambilini. Le mali izohlanganiswa nebhizinisi lamakhadi esikweletu likaChase.
Ngokusho kolwazi olunikeziwe, I-Goldman Sachs idayisa lezi zimpahla ngesaphulelo esingaba yizigidigidi zamaRandi ngenani layo eliphansi. Lokhu kuncishiswa kukhombisa kokubili izindleko zokuphuma esivumelwaneni kanye nokuzimisela kwebhange ukusheshisa ukuhoxa kwalo engxenyeni yabathengi.
Ngaphezu kwalokho, iGoldman Sachs ikhombisile ukuthi, uma sibheka phambili kwikota yesine ka-2025, kulindeleke ukuthi kuqoshwe isibonelelo esicishe sibe yizigidigidi ezingama-2.200 zamaRandi ukumboza ukulahlekelwa kwesikweletu okungenzeka okuhlobene nezibopho zokuthenga ngaphambi kwesikhathi ezihlobene ne-Apple Card.
Ku-JPMorgan Chase, ukuthengiselana kumele ukuqinisa isikhundla sayo ebhizinisini lamakhadi kanye nezinkokhelo zedijithali, indawo lapho yayivele ikhona khona kakhulu, ikakhulukazi e-United States. Ukubambisana ne-Apple kuvula umnyango wesisekelo samakhasimende esibanzi esixhumene nesistimu yomkhiqizo. Ngaphezu kwalokho, imikhiqizo efana nenketho yokuthenga ngezigaba ingagcwaliswa yilokhu kuhlanganiswa (ukuthenga ngezitolimende).
Lolu shintsho luhambisana nesu lezinhlangano ezinkulu ukubheja emikhiqizweni yezezimali ehlanganiswe kakhulu kumapulatifomu obuchwepheshelapho ulwazi lomsebenzisi kanye nezinkokhelo zedijithali zidlala indima ebalulekile kakhulu.
Umsuka we-Apple Card kanye nendima kaGoldman Sachs
I-Apple Card yethulwa ngo-2019 ngenxa yokubambisana phakathi kwe-Apple ne-Goldman Sachs, ngomqondo wokuthi ukunikeza ikhadi lesikweletu eliklanyelwe kusukela ekuqaleni ukuze lisetshenziswe endaweni yedijithaliKusukela ekuqaleni, yethulwe njengomkhiqizo oklanyelwe ukuphathwa kusuka ku-iPhone, kugxilwe kakhulu ekubonakaleni nasekulawuleni ukusetshenziswa kwemali.
Phakathi kwezici ezihlukile zokwethulwa, kufanele kuqashelwe ukuthi Akukho mali yokukhokha sekwephuzile noma amazinga enzalo okujezisa asetshenzisiwe ngendlela yamanye amakhadi esikweletu avamile. Inhloso kwakuwukwenza kube lula imigomo nokugwema izindleko ezengeziwe okunzima kumsebenzisi ojwayelekile ukuziqonda.
KuGoldman Sachs, ubumbano lwalusho ukungena kwayo okubonakala kakhulu ebhange labathengiukusuka kuphrofayela yayo yakudala egxile kumakhasimende ezikhungo kanye nabantu abanenzuzo ephezulu. Kodwa-ke, ngokuhamba kwesikhathi, lolu shintsho oluhlelekile lwalahlekelwa ukubaluleka phakathi kwezinto eziza kuqala.
Naphezu kwalokhu, i-Apple Card ikwazile ukuziveza njengenketho efanele ngaphakathi kwendawo ye-Apple Pay, ikakhulukazi kulabo abazisayo Ukuhlanganiswa okuqondile nohlelo lokusebenza lwe-Wallet namathuluzi okuphatha ezezimali okuhlanganisa izibalo zokusebenzisa imali, izaziso, kanye nezinketho zokukhokha eziguquguqukayo.
Eminyakeni edlule, imibiko yenhloso kaGoldman Sachs yokwehlukana nezikhundla zayo kulezi zinhlobo zamabhizinisi yathola ukuthandwa, okwaphetha ngesivumelwano samanje lapho I-JPMorgan Chase izothatha ubuholi bomkhiqizo.
Izinzuzo ze-Apple Card ezisele
Ngokuphathelene nezinzuzo eziqondile zomnikazi, i-Apple igcizelele ukuthi Izici eziyinhloko ze-Apple Card zizohlala zisebenza. Naphezu kokushintsha komkhiphi, isakhiwo semiklomelo kanye nokusebenza okuvamile kwekhadi kuzoqhubeka njengakuqala.
Ikhadi likuvumela ukuthi uthole Imbuyiselo yemali efika ku-3% nsuku zonke ekuthengeni okwenziwe e-Apple kanye nabalingani abakhethiweImbuyiselo engu-2% ezinkokhelweni ezenziwe nge-Apple Pay kanye no-1% uma usebenzisa ikhadi elingokoqobo. Lolu hlelo lokubuyiselwa kwemali selube ngenye yezindawo ezibalulekile zokuthengisa umkhiqizo.
Ngokunjalo Ukuhlanganiswa okugcwele nohlelo lokusebenza lwe-Wallet kuzoqhubeka nokuba yinsika ephakathiKusukela ku-iPhone, abasebenzisi bangabuka ukuthengiselana, izindleko zeqembu ngesigaba, ukuhlela izinkokhelo, kanye nokubuyekeza intshisekelo esetshenzisiwe ngokuningiliziwe, ngesethulo esenzelwe ukuba sicace ngangokunokwenzeka.
Amathuluzi aqondiswe emfundweni yezezimali, njenge ukubona ngeso lengqondo umthelela wokukhokha kakhulu noma kancane inyanga ngayinye Izaziso mayelana nezinsuku zokugcina kanye neminye imihla yokugcina zihlala ziyingxenye yesipiliyoni. Umgomo uwukusiza abasebenzisi ukuthi benze izinqumo ezinolwazi mayelana nendlela yokuphatha izikweletu zabo.
I-JPMorgan Chase ikhombisile ukuthi inhloso yayo gcina ukusebenza okuyinhloko okwakhiwe yi-Apple eduze kwekhadiukugwema izinguquko ezisheshayo ezingadala ukungezwani phakathi kwabanikazi bama-akhawunti. Kusukela lapho, isikhathi sizosho ukuthi izinketho ezintsha noma izinsizakalo ezengeziwe ziyaqaliswa yini.
Umthelela emkhakheni wezezimali kanye nombono weYurophu
Ngaphandle kwecala elithile le-Apple Card, ukunyakaza kuyingxenye umkhuba obanzi wokubambisana phakathi kwamabhange amakhulu kanye nezinkampani ezinkulu zobuchwepheshe ukuhlinzeka ngemikhiqizo yezezimali ehlanganiswe kumapulatifomu edijithali. Lezi zivumelwano zihlanganisa amakhono obuchwepheshe ezinkampani ezifana ne-Apple nengqalasizinda yokulawula yezinhlangano ezifana ne-JPMorgan.
Ukuhoxa kukaGoldman Sachs kwi-Apple Card kuyingxenye yokwehla okuvamile ebhange lokuthengisa, kanti I-JPMorgan iqinisa ukuzibophezela kwayo ekukhokheni kwedijithali kanye namakhadi anophawu olufanayoLezi zinhlobo zezivumelwano ziya ngokuya zivamile, ikakhulukazi ezimakethe ezifana ne-United States, lapho ukuncintisana ngamakhadi esikweletu kukhulu khona.
Endabeni yaseYurophu naseSpain, i-Apple Card ayikatholakali okwamanje, kodwa Lokhu kunyakaza kungathinta izinqumo zokukhulisa zesikhathi esizayoUkuba nomlingani ofana ne-JPMorgan, okhona emhlabeni wonke, kungasiza ekufikeni komkhiqizo kwezinye izimakethe esikhathini esimaphakathi noma eside, uma nje izimo zomthetho nezebhizinisi zikuvumela lokho.
Okwamanje, abasebenzisi baseYurophu bayaqhubeka nokuthembela kakhulu ku- amakhadi akhishwe amabhange endawo kanye nezixazululo zokukhokha ze-Apple Pay okuhambisana nalezo zinto. Okuhlangenwe nakho kwamanje kuhilela ukwenza amakhadi akhona abe yidijithali esikhundleni sokusebenzisa umkhiqizo wesikweletu oklanywe ngqo yi-Apple.
Uma i-Apple ingake inqume ukwethula ikhadi layo eYurophu, kuzodingeka ikwenze lokho. ukuzivumelanisa nohlaka lokulawula umphakathi kanye nezici zemakethe yamabhange ezweni ngalinyeOkuthile okungakabonakali. Izimpawu ezifana nokuthi izimpawu zokuhweba ezithile ezibhaliswe yi-Apple Bakhuthaza ukuqagela mayelana nokufika okungenzeka.
Ngalesi shintsho somkhiphi, i-Apple Card iqala isigaba esisha lapho I-JPMorgan Chase ithatha indawo ephambili ebhange njengoba iGoldman Sachs ihoxa endaweni yesehlakaloNakuba kubasebenzisi isithembiso siwukuqhubeka: imivuzo efanayo, ukuhlanganiswa okufanayo ne-iPhone kanye nenqubo ende yokushintsha kodwa eyenzelwe ukuba ingabonakali ngangokunokwenzeka.
