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Apple is readying its own BNPL program. The Big Tech firm鈥檚 reach and loyal customer base can help it attract users to Apple Pay Later鈥攊f it launches. The product could be especially popular among younger consumers who have embraced BNPL and may already use Apple Pay. Apple鈥檚 BNPL debut may worry incumbent providers like Affirm and Klarna, which have yet to turn a profit.

Instead of highlighting AI, Apple emphasized the iPhone鈥檚 security in its ad, which had the tagline 鈥淪afari. A browser that鈥檚 actually private.鈥� Apple鈥檚 ad aired after Google announced it no longer plans to deprecate third-party cookies. What it means: Industry conversations surrounding AI and privacy have gone mainstream.

That switch would represent a $3 billion loss for Google, made especially concerning by a similar $20 billion contract with Apple ending this year. In the last two years, there have also been rumblings that Apple may develop its own search engine for iOS.

Apple could change that. 鈥淚 think [Apple] has the best shot of creating the first super app to take off in the US,鈥� said Canaves. 鈥淭hat鈥檚 really thanks to the hold of the iPhone on US teens and integration of payment services.鈥�. Gen Z expects this sort of seamless integration in ecommerce.

Competitors like Amazon, ByteDance, Microsoft, and Apple are now growing their global ad businesses far more quickly. What鈥檚 Inside. This report contains our latest forecasts for global ad spending through 2026. It includes our estimates for the following areas:. Total Media Ad Spending Worldwide. Traditional Media Ad Spending Worldwide.

Apple. Apple started providing this service for iPhone users in 2018 through its Health Records platform, which gathers a user鈥檚 medical data, including medications, immunizations, and lab results, in one place. (For Android users, the CommonHealth app offers a similar service.). More than 800 facilities across 12,000 locations are currently making their patients鈥� data accessible via Health Records.

There wasn鈥檛 one distinctive healthcare development that stuck out for Apple in 2022, which could explain why the company released a 60-page report explaining how its healthcare work is meaningful. For example, Apple described how its Health Records iPhone tool lets physicians and patients share medical data and how new health monitoring features are coming to the Apple Watch. So what?

Beyond the chart: Apple is expected to unveil its new AR/VR headset next week with an aim to make the tech mainstream, much as Meta has with Quest headsets and Horizon Worlds. But a lofty price tag and general bulkiness will likely make mass adoption more difficult to achieve for Apple鈥檚 headset than it was for the iPhone. A mixed reality future still seems to be a ways off. More like this:.

鈥淲ill Google ask consumers if they want to be tracked publisher by publisher, or will Google paint with the wide brush that Apple did with ATT (AppTrackingTransparency) and MPP (Mail Protection and Privacy) and effectively 鈥榣ead the witness鈥� to opting out of everything as a blanket opt out,鈥� asked Matt Keiser, founder and CEO at LiveIntent.

This group includes streaming services whose CTV ad revenues we don鈥檛 currently break out (such as Amazon Prime Video and Apple); smart TV-makers with ad businesses (Samsung, Vizio, LG); and retailers that are selling CTV inventory through their media networks. To view the full forecast, click here.

Although growth in new users has slowed in recent years, Google鈥檚 renewed push into the wearables market, long dominated by Apple, may spur innovation and create new opportunities for apps and the marketers using them.

Wallets, from Apple to PayPal to Paze, are introducing passwordless authentication that can be applied across mobile operating systems.

The business unit housing the Apple Card and parts of the Marcus brand lost $1.2 billion in the first nine months of 2022, according to a regulatory filing. Goldman also faced scrutiny from the Consumer Financial Protection Bureau for its credit card business, which includes the Apple and General Motors co-brands.

Until there鈥檚 an apples-to-apples comparison, banks should focus on putting a human touch on digital features. This article originally appeared in Insider Intelligence鈥檚 Banking Innovation Briefing鈥攁 daily recap of top stories reshaping the banking industry. Subscribe to have more hard-hitting takeaways delivered to your inbox daily. Are you a client? Click here to subscribe.

Apple. Why: The release of Apple Vision Pro this month was met with fanfare, selling out almost immediately after preorders opened. Its limited release, solely in the US, is sparking international resales upward of $5,000, as reported by Bloomberg鈥攎uch more than its original $3,500 price tag. What鈥檚 interesting:.

While a $2,000 price tag limits consumer appeal, it could find traction in enterprise markets鈥攁 sector both Meta and Apple aim to profit from.

There is the privacy issue, and significant investment dollars would be required to make it happen鈥攚hich is more difficult with advertisers fleeing 鈥渁nd with Apple taking a very 鈥榳hat's in it for us鈥� stand,鈥� as Adludio CEO Paul Coggins puts it. With Musk having publicly feuded with Apple since the takeover, expect that battlefield to develop further.

Apple started the year with a monumental iCloud outage that took down Apple Web Apps, iCloud Backup, iCloud Mail, iMessage, and iCloud Photos, which were inaccessible or offline across the world for two days. April. Thousands of YouTube viewers and PlayStation Network gamers were booted offline as an overloaded network infrastructure continued to take its toll on high-bandwidth services. May.

Gen Z trusts Apple just as much as their primary financial institution for their banking needs. Payment apps threaten to take the place of banks: Many, like Apple Pay and Venmo, offer checking-account-like features right in the app. The share of Gen Z digital-only bank account holders will grow 29.5% compounded annually from 2023 through 2026, which means neobanks have a real chance to win out.

Additionally, Apple announced a year-long hiring freeze in November, and Alphabet plans to cut 10,000 employees through a stricter performance review process. Collectively Apple, Microsoft, Amazon, Alphabet, and Meta have lost over $3 trillion in market value this year, per Bloomberg.

It鈥檚 hoping that phasing out Google Pay will make its mobile payments offering less confusing for users, increasing adoption: We forecast 32.5% of proximity mobile payment users will use Google Pay this year鈥攙ersus Apple Pay鈥檚 53.8%.

In 1985, Apple ran 鈥淟emmings,鈥� an ad that promoted a product called Macintosh Office. The commercial showed IBM consumers blindly following each other off a cliff, inspired by a myth about lemmings. Consumers were less than pleased with the depiction, and though Apple has redeemed itself in the public鈥檚 eyes, it鈥檚 worth noting that Apple didn鈥檛 attempt a Super Bowl ad for another 14 years.

That means if YouTube were not owned by parent Alphabet, which also owns Google, it would still rank among the top 10 digital ad platforms in the US by revenue, ahead of Apple, Hulu, and Walmart. 2. YouTube is a top player in digital video. Some 241.8 million people in the US will watch YouTube this year, or 90.4% of digital video viewers in the US, per our February 2024 forecast.

I'm going to move Apple from wherever it is now up to number one, and if you don't accept it-. Sara Lebow:. Apple is at number four. Blake Droesch:.