David Hanak Lapho Apple izolo yethulwe isevisi yayo entsha ye-Apple Card, kwacaca zisuka nje ukuthi izoba nobubanzi obulinganiselwe. Ngisho nangesikhathi sesethulo, kwaqinisekiswa ukuthi i-Apple izogxila kuphela kumakhasimende ase-US ngekhadi layo lesikweletu ledijithali nelomzimba, phakathi kwezinye izinto, ngoba kulapho i-superstructure ye-Apple Pay isebenza ngendlela ye-Apple Pay Cash - okuyi-superstructure ye-Apple Pay. Isakhiwo esiyisisekelo se-Apple Card. Nokho, ngemva nje kokwethulwa kwenkonzo, abamele i-Goldman Sachs bezwakala behlola ukuthi kungenzeka yini ukwandisa inkonzo ngaphandle kwase-United States.
Igalari yezithombe
Yisikhungo sasebhange kanye i-Goldman Sachs esisebenzisana ne-Apple ngaphakathi kohlaka lwe-Apple Card. Umphathi omkhulu wakwaGoldman Sachs ukuqinisekisile engxoxweni ukuthi le nkonzo okwamanje ibhekiswe e-United States kuphela, kodwa esikhathini esizayo bangathanda ukuthi inwebeke kwezinye izingxenye zomhlaba.
Uma lokho kwenzeka ngempela, ukukhetha okunengqondo kuwela eCanada nakwezinye izimakethe ze-Anglophone emhlabeni jikelele, okungukuthi ikakhulukazi i-Great Britain, i-Australia ne-New Zealand. Ukuthi isimo sizoba kanjani kuzonqunywa kakhulu ukuthi i-Apple iphumelela kangakanani ekwandiseni isevisi ye-Apple Pay Cash kwamanye amazwe. Okwamanje, ngemva kokusebenza cishe unyaka nesigamu, akubukeki kukhazimula kakhulu.
Ukugxila komkhiqizo nakho kukhomba ubunzima bokukhulisa i-Apple Card kwezinye izingxenye zomhlaba. Ngokombono wemakethe yaseMelika, lesi isinyathelo esinengqondo ngokuphelele, njengoba amakhadi esikweletu athandwa kakhulu lapha futhi asetshenziswa kakhulu kunakwezinye izingxenye zomhlaba. Amakhadi esikweletu e-US aletha izinzuzo ezimbalwa ezicatshangwayo kubanikazi bawo, kungakhathaliseki ukuthi izinhlobo ezahlukene ze-cash-back, umshwalense wokuhamba, izinhlelo zamaphoyinti okuthembeka noma imicimbi/izaphulelo emikhiqizweni namasevisi akhethiwe. E-Europe, uhlelo lwekhadi lesikweletu alusebenzi ngezinga elingaka (okungasho ukuthi amakhadi esikweletu awasetshenziswa lapha).
Ngakho-ke uma ukwanda ngaphandle kwe-US kwenzeka, umkhiqizo owumphumela cishe uzokwehliswa kakhulu, ikakhulukazi ngokuphathelene nezinhlobo ezahlukene zamabhonasi. Endabeni ye-cash-back, lokhu kungenxa yokuthi imithetho yaseYurophu idinga ukuthi opharetha bamakhadi okukhokha bacishe izinkokhelo zokuthengiselana kubathengisi. E-US, o-opharetha bamakhadi namasevisi esikweletu bangakwazi "ukubuyisela" imali kalula kumakhasimende ngendlela yokubuyisela imali, njengoba benendawo eyanele yalokhu ngenxa yenani lemali eqoqwe kubathengisi. E-Europe, izindleko zokuthenga zivinjelwe kakhulu, futhi lokhu kwenza noma yiziphi izimali ezibuyiselwayo ezinkulu zingakhiqizi kahle.
Kodwa i-Apple Card ayikona nje ukusebenzisa amabhonasi. Kubasebenzisi abaningi, amathuluzi okuhlaziya ikhadi lesikweletu elivela kwa-Apple elihambisana ne-Apple Wallet angathakasela kakhulu. Amathuba okulawula ukuhamba kwezimali, ukubeka ukonga noma imikhawulo ehlukahlukene kukhanga kakhulu kubasebenzisi abaningi abangaba khona. Lokho kukodwa kwenza kube wusizo ukuthi i-Apple inwebise le sevisi kwezinye izingxenye zomhlaba ngokushesha okukhulu. Nokho, ukuthi kuzokwenzeka kanjani ngempela, namuhla, bambalwa abantu abazi.
Kungaba njalo okuthakaselayo
Petr Škuta Umthombo: I-9to5mac
