Kutama kwanga kwataurwa paWall Street kwenguva yakati kwave pamutemo: JPMorgan Chase ndiyo ichange iri bhangi idzva riri shure kweApple CardKutora chinzvimbo kubva kuna Goldman Sachs mune imwe yemakambani anonyanya kutaurwa nezvawo nezvemakadhi echikwereti mumusika weUS. Shanduko iyi haizoitike kamwe kamwe; yakagadzirwa sekuchinja zvishoma nezvishoma, kunogara kusvika 24 mwedzi, umo varidzi havafaniri kuona shanduko mukushandiswa kwavo kwezuva nezuva.
Kunyangwe parizvino kadhi richiri chigadzirwa Vatengi vemuUS chete ndivo vanonyanya kusarudzwa uye pasina zuva rakatarwa rekusvika Europe kana SpainChibvumirano pakati peApple neJPMorgan Chase chiri kutariswa zvakanyanya kune rumwe rutivi rweAtlantic. Izvi zvinoratidza kuti mabhanga makuru, echinyakare ari kuzvipa mukana wekushanda pamwe chete nemakambani etekinoroji, uye zvinopa muenzaniso wezvingaitika kana Apple Card kana dzimwe nzira dzakafanana dzikapinda muEuropean Union mune ramangwana.
Kuchinjana kwemaoko kwaitarisirwa: kubva kuGoldman Sachs kuenda kuJPMorgan Chase
Apple yakasimbisa pachena kuti JPMorgan Chase ndiye achaburitsa Apple Card, ichitsiva Goldman Sachs, iyo yaitsigira chigadzirwa ichi kubva pakatanga kugadzirwa muna 2019. Network yekubhadhara haina kuchinja: Mastercard icharamba ichipa zvivakwa zvekugadzirisaSaka, makadhi epurasitiki neemavirtual acharamba achigamuchirwa sezvaari kare nhasi.
Nguva yakatarwa inotarisira kuti kuchinja kwemakore maviriMunguva iyi, vatengi vatsva nevane makadhi varipo vachatamiswa. Apple naChase vanosimbisa kuti vashandisi vanogona kuramba vachishandisa kadhi sezvakajairika, pasina mamwe mapepa ekuwedzera kana shanduko dzekukurumidza kumakondirakiti avo.
Chinonyanya kukosha pane zvese chisarudzo chekuti Goldman Sachs achabuda mubhizinesi remakadhi echikwereti evatengi, mushure mekuona kuti Muenzaniso weApple CardKambani iyi, ine rupo rukuru kuvatengi vayo, yainyanya kumanikidza bhangi kuti riwane mari yakawanda. KuApple, kuchinjana kwemubatsiri wezvemari kunoita kuti irambe ichigadzira chigadzirwa ichi pasina kusiya nzira yayo yekutanga yekuva neruzivo rwakareruka, kubatana zvizere ne iPhone, uye pasina muripo wenguva dzose.
Chase, iye pachake, anosimbisa basa rake semukuru wepasi rose nekuita uku., kuwedzera kambani yenhau ine mukurumbira mukuru pane katalogi inotove iine zvibvumirano nemakambani endege, mahotera uye mapurogiramu epamusoro-soro ekuvimbika.
Nhamba dzechibvumirano: mabhiriyoni makumi maviri emadhora asina kubhadharwa uye kuderedzwa kusingawanzoitiki
Kupfuura musoro wenyaya, kutamiswa kweApple Card kuenda kuJPMorgan Chase kune musoro kana ukatarisa nhamba. Basa iri rinosanganisira chikwereti chinodarika mabhiriyoni makumi maviri emadhora mumakadhi, izvo zvinoisa chirongwa ichi pakati pemakambani makuru ekubatsirana mumusika weUS.
Zvisinei, chinonyanya kushamisa mutengo wacho: pasuru yacho ichatengeswa ne dhisikaundi inodarika $1.000 bhiriyoni kubva pamutengo wayo wepamberiIzvi hazviwanzoitika kana tichitarisa maportfolio anoonekwa seemhando yepamusoro. Kazhinji, mumhando idzi dzekutengeserana, mutengi anobhadhara mari yeprimiyamu, kwete kupinda nedhisikaundi yakakura kudaro.
Kuderedzwa ikoko kunoratidza matambudziko ekuwana purofiti uye njodzi izvo zvinounzwa neApple Card. Chigadzirwa ichi chakagadzirwa nepfungwa dziri pedyo nekuvimbika kwetekinoroji kupfuura kubhengi rechinyakare: hapana muripo wekunonoka, hapana muripo wekuwedzera wekushandisa kunze kwenyika, 0% mari yekubhadhara yekutenga michina yeApple uye purogiramu yekudzoserwa mari inosvika 3% pakutengeserana kwakasarudzwa.
Kune bhangi rekare, musanganiswa uyu unoshandura kuva miganhu midiki kwazvo uye kunzwisisa kwakanyanya kutenderera kwehupfumiKutenga portfolio iyi nemutengo wakaderera zvakadaro kunoita kuti JPMorgan ikwanise kuderedza kukanganiswa kwevatengi vakawanda kupfuura zvayagara ichiita uye kunoita kuti ive nenguva yakanaka yekugadzirisa chigadzirwa nekufamba kwenguva.
Panguva imwe cheteyo, sangano iri rakazivisa kuti richacherechedza kupihwa mari inosvika mabhiriyoni maviri nehafu emadhora ($2.200 bhiriyoni) yekuderedza chikwereti Izvi zvakabatana nechisungo chekutenga, icho chicharatidzwa mumaakaundi avo ekota yechina ya2025. Inzira yekufungidzira njodzi dzinogona kuitika uye kudzivirira kushamisika mune ramangwana mumhedzisiro yavo.
Dambudziko reApple Card: njodzi huru yechikwereti
Chimwe chezvinhu zvinonyanya kutaurwa nezvacho pachirongwa ichi ndechekuti mhando yenjodzi inowanikwa nevatengiKubva pazuva rekutanga, Apple Card yakatarisa pane zviri nyore kushandisa: nyore kuwana kubva ku iPhone, kusarudza zvikwereti nekukurumidza, interface intuitive yekugadzirisa mari, uye chimiro chisina chirango chakajairika chemamwe makadhi.
Maitiro aya akabatsira kupinda kwemaprofile evatengi ayo, pamwe chete nevamwe vanoburitsa mabhuku, angadai akasangana nezvipingamupinyi zvakawanda. Makambani akawanda anotaura nezve kusangana zvakanyanya nevashandisi vane makiredhiti akaenzana kana akadereraRudzi urwu rwemutengi runoda kungwarira kukuru, kunyanya kana paine mitengo yemubereko yakakwira uye kurasikirwa nesimba rekutenga remhuri.
Mhedzisiro yanga iri a kusateerera mutemo kuri pamusoro peavhareji mapurogiramu echinyakare. Uye, kusiyana nemamwe anoburitsa, Apple Card haivimbi zvakanyanya nemubereko wekurangwa, mari yekunonoka, kana mari yekuwedzera yekutengeserana kwenyika dzese, izvo zvinowanzova chengetedzo yemari yekudzivirira njodzi.
Zvichienderana nemamiriro ezvinhu aya, kudzikiswa kwekutengeswa kweportfolio pamwe nechikamu chekuwedzera icho JPMorgan ichatora chinoshanda senzira yekuzviita. kuziva kuti modhi sezvayakanga yagadzirwa haina kukodzera zvakakwana nezvinodiwa nebazi rezvemabhanga kuti vawane purofiti. Dambudziko riripo iye zvino nderekuwana nzira itsva yekuchengetedza ruzivo rwevashandisi runokwezva uye kuona kuti nhamba dzacho dziri kuwanda.
Chibvumirano cheApple Dzivisa kupinda muhondo yekudzikiswa kwepurofiti zvakanyanya izvo zvinogona kukanganisa mufananidzo wechigadzirwa, zvichipa basa rekuvandudza dhizaini yemari mukati memiganhu inogamuchirika kune vese vari vaviri.
Chii chinochinja (uye chii chisingachinje) kune vashandisi veApple Card
Kubva pamaonero emuridzi wekadhi, meseji yepamutemo yakajeka: Hapana chikonzero chekuita chero chinhu nekukasikaKuchinja kwacho kwakagadzirwa kuitira kuti makadhi chaiwo neechokwadi arambe achishanda zvakafanana, mari inobhadharwa inoendeswa kune anoiburitsa, uye mari yekubhadhara inoramba ichigadziriswa pasina kukanganiswa.
Apple naChase vakaratidza kuti mabhenefiti makuru echigadzirwa: Kusvika ku3% mari inodzoserwa zuva nezuva isina muganhoKubatanidzwa zvizere neWallet app, kugona kugovera kadhi nemhuri yako kuburikidza neApple Card Family, uye sarudzo dzekubhadhara mari yekutenga zvishandiso kubva kukambani iyi.
Saizvozvowo, Mastercard icharamba iri network yekubhadharaIzvi zvinoita kuti kadhi rigamuchirwe nevatengesi vamwe chete uye zvinochengetedza mabhenefiti anouya nehurongwa uhwu pasi rose. Kune mushandisi wepachena, izvi zvinoreva kuti Apple Card icharamba iri chigadzirwa chimwe chete chavanotoziva.
Imwe pfungwa inokosha ndeyekuti account yekuchengetedza yakabatana neApple Cardizvo zvave zvichibvumira vashandisi kugamuchira mari yekudzoserwa uye mari yekuchengetedza zvakananga kubva ku iPhone yavo. Nzira iyi inosanganisira kupa vashandisi sarudzo yekugara nevanopa mari yavo kana kutamisa mari yavo kune chigadzirwa chitsva chekuchengetedza chakagadzirwa neJPMorgan, chero bedzi vachizadzisa zvinodiwa uye vachida kudaro. Unogona kuona kuti Apple Cash neApple Family Card integration zvinoshanda sei pa iPhone yako kuti unzwisise zviri nani sarudzo idzi.
Apple yakapa ruzivo, senge mapeji eFAQ akazvipira, kupindura mibvunzo chero ipi zvayo mumakore maviri aya ekuchinja. Pfungwa yacho ndeyekuti Kutaurirana kunofanira kuitwa zvishoma nezvishoma uye pachena., kudzivirira kushamisika kwenguva yekupedzisira kune avo vanovimba nekadhi muhupenyu hwavo hwezuva nezuva.
JPMorgan Chase inosimbisa hutungamiriri hwayo mumakadhi echikwereti uye mumabhanga evatengi
Kune JPMorgan Chase, kuwedzerwa kweApple Card kunoenderana nehurongwa hwekare: kusimbisa chinzvimbo chayo senhamba yekutanga mumusika wemakadhi echikwereti eUSPasi pechiratidzo cheChase, boka iri raive nezvigadzirwa zvinozivikanwa zvakaita seFreedom neSapphire, pamwe nezvibvumirano zvakawanda zvemakambani endege, mahotera, uye mabhizinesi makuru.
Musiyano uripo ikozvino ndewekuti Apple inounza chimwe chinhu icho vashoma vadyidzani vanogona kupa: anchor yemuno munyika yemafoniKadhi iri rinogara muWallet, rinoshandiswa zvisingaonekwe kuburikidza neApple Pay, uye rinotongwa kubva pa iPhone pachayo, pasina chikonzero chekugara uchishandisa mawebhusaiti kana mapazi chaiwo.
Kana bhangi rikabudirira kudzora zvikwereti zvisingabhadharwi uye kuwedzera purofiti yechirongwa ichi, harizovi nekambani imwe chete. Richatenga zvakawanda kupfuura kungova kambani imwe chete. nzira ine ropafadzo yekuenda mamiriyoni evashandisi vechidiki uye yakagadzirwa nedhijitari zvakanyanyaavo vanogona kuzopedzisira vava vatengi vezvimwe zvigadzirwa: maakaundi emazuva ano, zvikwereti zvemunhu, mortgage kana masevhisi ekudyara mari.
Inofanira kuyeukwa kuti Chase ibazi rezvemabhizinesi nevatengi reJPMorgan Chase & Co.Apple, imwe yemakambani makuru ezvemari pasi rose, ine mabasa epasi rose uye ine vatengi vanopfuura mamiriyoni makumi masere nemashanu muUnited States. Simba rayo rekugovera, kugona kwayo data, uye hunyanzvi hwekuongorora ndezvimwe zvezvikonzero zvakaita kuti Apple isarudze mubatsiri uyu pachikamu chinotevera chekadhi.
Kubva pamaonero eEurope, rudzi urwu rwemubatanidzwa runoratidza kuti Mabhangi makuru ane mukurumbira pasi rose ari kugadzirira mamiriro emabasa emari ari kuwedzera kubatanidzwa mumafoni.Kana Apple Card kana zvigadzirwa zvakafanana zvikazosvika muEU, zvine musoro kufunga kuti zvichaita izvi pamwe chete nemasangano ane hunyanzvi hwakafanana uye ane hunyanzvi hwakasimba hwetekinoroji.
Kadhi reApple ndiro chikamu chikuru chehupfumi hweApple
Pasinei nebhangi riri shure kwayo, Apple Card chikamu chechirongwa chakakura chekambani yeCupertino: kushandisa masevhisi emari sechinongedzo chehupenyu hweseKubhadhara ne iPhone yako kana Apple Watch, kugamuchira mari inodzoserwa ipapo ipapo, kutamisa mari iyoyo kuaccount yekuchengetedza yakabatanidzwa, uye kutenga mari munzvimbo imwe chete kunoita kuti zvinhu zvisashande zvakanaka.
Muenzaniso uyu, uyo vamwe vaongorori vanotsanangura semhando ye "Keji yegoridhe"Izvi zvinoita kuti kuchinjana mabhanga kuve nyore, asi kusiya zvese zviri muApple kunodhura zvakanyanya. Avo vane hupenyu hwemari, nzira dzekubhadhara, uye nhoroondo yekutenga zvese zvakanangana nemamiriro akafanana edhijitari vanowanzo funga kaviri vasati vatanga imwe nzira.
Nerutsigiro rwaJPMorgan, Apple inokunda mubatsiri ane mukurumbira wekutanga nekuwedzera zvigadzirwa zvebhangi revatengiIzvi zvinovhura mukana wekuti pave nemasevhisi matsva akabatanidzwa munguva yepakati nepakati. Parizvino, kambani iri kuramba ichiti chinhu chakakosha ndechekuchinja kwakarongeka, asi mukana wekuwedzera mabasa acho uripo.
KuEurope neSpain, nyaya iyi inoshanda serabhoritari. Kufarira kwakakonzerwa neApple Card kubva muna 2019 kwave kukuru, kunyangwe hazvo Kuwanikwa kwayo kuchiri kuganhurirwa kuUnited StatesPari zvino hapana zviziviso zviri kuziviswa nezvekuwedzera kwenyika, asi chokwadi chekuti kambani itsva iyi yakakura ine mukurumbira pasi rose chinokurudzira kufungidzira nezvematanho angangoitwa mune ramangwana, nguva dzose zvichikonzerwa nemitemo yeEurope nemakwikwi emuno.
Kumabhanga ekuEurope nemakambani emari, zvese izvi zvinosimbisa pfungwa yekuti Hondo huru inotevera haizove yeakaundi yebhangi chete, asiwo yekuti ndiani anodzora ruzivo rwekubhadhara nefoni.Panyaya iyoyo, Apple, mabhanga makuru, nemakambani matsva ekubhadhara vari kutarisana zvakanyanya.
Chidzidzo chepasi rose chezvemari yezvemari
Kugadziriswazve kweApple Card kwave muenzaniso wekuti sei Kubatana pakati pemakambani etekinoroji nemabhangi kunogona kuchinja nekufamba kwenguvaKutanga, mumwe munhu anotora njodzi yekutanga chigadzirwa chitsva, chine modhi ine hukasha kuti awane mukurumbira. Zvadaro, kupihwa kune chimwe chinhu chine chido chikuru chekukura uye kugona kukuru kwekutora mamiriro ehupfumi asina kunaka.
Kune makambani matsva nemabhangi matsva, kunyanya mumisika iri kusimukira uye muEurope, meseji yacho yakajeka: kuvaka zvigadzirwa zvemari zvinochinjika uye zvinokwanisa kukura Izvi ndizvo zvakakosha pakutsigira shanduko dzemubatsiri pasina kukanganisa mushandisi. Apple yakagadzira kadhi kuitira kuti mutengi aone kuenderera mberi, kunyangwe kana chinhu chakaburitsa chikachinja.
Chimwe chinhu chakakosha ndechekuti kutaurirana nevashandisi mukuchinja maitiroApple yakasarudza kuburitsa ruzivo zvishoma nezvishoma, kuburikidza nezviziviso zvepamutemo, zvirevo kubva kuvakuru veApple, Chase, neMastercard, uye ruzivo rwakananga. Kujeka uye kushanduka kwakanaka zvakakosha kuti pave nekuvimba nebasa rinobata sechikwereti.
Pakupedzisira, chirongwa ichi chinoratidza kuti Makambani makuru etekinoroji anonyanya kushuviwa anowanzo kuve mumabhanga mashoma ane hukuru hwakakwana uye mari yakakwana. kutaurirana zvakaenzana uye kugamuchira miganho yakaoma kwemakore. Kune masangano ari pakati nepakati, kukwikwidzana kwemakambani makuru kunowedzera kuoma, uye vazhinji vanomanikidzwa kutarisa pane zvibvumirano zvidiki kana zvibvumirano zvidiki.
Munyaya dzemitemo yeEurope, mafambiro akadai anoshandawo sechiyereso. Vatariri veEU vari kunyatsotarisa kuti kubatana uku kwakarongwa sei mune dzimwe misika, izvo zvinogona kukanganisa mitemo yeramangwana panyaya iyi. kuchengetedzwa kwedata, kushanda pamwe chete kwewallet dzedhijitari uye kukwikwidzana mumasevhisi ekubhadhara.
Chibvumirano chekuti JPMorgan Chase ichava kambani itsva yeApple Card, ichichengetedza Mastercard se network uye ichigara nhaka portfolio inodarika mabhiriyoni makumi maviri emadhora nedhisikaundi yakakura, Inotsanangura danho idzva muhukama huripo pakati pemabhangi netekinoroji hombe.Apple inoramba iine kadhi rakabatanidzwa zvakanyanya muhurongwa hwayo hwekuchengetedza mari, Chase inosimbisa hutungamiriri hwayo muchikwereti chevatengi, uye chikamu chezvemari, kusanganisira muEurope, chinoona kuti chizvarwa chinotevera chezvigadzirwa zvebhangi zvine nharembozha chingashanduka sei.
