最有看点的互联网金融门户

最有看点的互联网金融门户
传统金融的互联网化国际资讯

苹果或将与高盛推出联名信用卡产品

据说《华尔街日报》报道,苹果已决定与高盛合作开发新的联合信用卡,预计明年年初正式上市。

虽然是一家老牌金融机构,但是高盛对金融科技却一向态度积极。比如,高盛已经推出了数字借贷平台Marcus(已经取得长足发展),并在近期表示会涉猎加密货币交易领域。

同样,科技巨头苹果公司也通过Apple Pay和Apple Cash慢慢走入了金融科技市场。苹果公司的最大优势就是其庞大的iOS用户群体,而且苹果还曾承诺不会将用户数据视为商业计划。

《华尔街日报》还报道称,这一合作还可能会延续到其他领域,比如高盛向苹果客户购买iPhone和其他设备提供店内贷款,而目前双方正在就具体合作细节和条款进行讨论。据了解,此前苹果公司就与巴克莱银行推出过联名信用卡产品,该卡片用户可就此在购买苹果设备或苹果礼品卡时获得巴克莱银行的无息贷款。

如今,Apple等大型科技公司已经做好准备去除繁复的技术障碍,为用户提供范围广泛的金融服务,这无疑会给传统银行带来巨大的挑战,也许不久之后苹果银行也会真的出现了吧。

An article in WSJ is reporting that Apple has decided to partner up with Goldman Sachs on a new joint credit card. Expected to launch early next year, the initiative is described as “a move that would deepen the technology giant’s push into its customers’ wallets and mark the Wall Street firm’s first foray into plastic.”

Goldman has established its Fintech innovation cred with projects like digital challenger bank Marcus and its recently confirmed cryptocurrency trading desk. Management at the investment bank have been willing to push forward on projects that other traditional banks have feared to attempt. Marcus has experienced impressive growth with its online lending vertical but it clearly has ambitions to become the online bank of choice for the masses.

Apple has been tiptoeing into the Fintech realm with Apple Pay and Apple Cash. The most valuable publicly traded company in the world claims hundreds of millions of global users that are committed to the brand and trust the iOS platform. Unlike some other big tech platforms, Apple does not consider users data part of their business plan.

The report in WSJ ponders if the strategic move foreshadows additional Fintech offerings;

“The partnership will extend into other services including Goldman offering in-store loans to Apple customers buying iPhones and other gadgets, an effort The Wall Street Journal reported on in February. Apple and Goldman are still hashing out the terms and benefits of the planned card including the perks for customers, these people said. The current Apple credit card with Barclays offers interest-free financing on Apple devices and points toward Apple gift cards.”

Apple is part of a consortium that is lobbying Congress on financial regulations. Big tech firms, such as Apple and others, are well positioned to provide a whole host of financial services minus the legacy trap of antiquated technology – a significant challenge for traditional banks. Apple, uniquely, already maintains a well establish network of brick and mortar locations that boast some of the best revenue per square feet in the retail world. Can you say Bank of Apple?


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

高盛:Marcus未来可能不只是一家网贷平台了

Peter Rent... 02-05

数据分析平台Visible Alpha获千万融资,高盛领投

Lucy White 01-19

高盛: 网贷平台表现良好,不排除进军加密货币市场

JD Alois 01-18

苹果、eBay和YouTube等网络巨头终将被去中心化所取代?

Brady Dale 01-16

Uber携手Momo开发越南无现金支付市场

Michael Te... 2017-11-29

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1