TechCrunch News 2024年10月17日
Apple says support for redeeming rewards will later come to Apple Pay
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周四,苹果庆祝Apple Pay十周年,并宣布其未来发展方向,包括增加奖励兑换和扩展分期付款贷款选项。该服务新增对美国Affirm、英国Monzo Flex的贷款支持,今日起Klarna在美英两国的线上及应用内支付中启用。未来,还将扩大到包括花旗等银行的信用卡或借记卡。此前苹果取消自家‘先买后付’服务,转而与银行和贷款机构合作。此外,Apple Pay还将提供奖励兑换选项,苹果钱包的目标是完全取代实体钱包。Apple Pay已在全球78个市场被广泛使用,众多银行和网络伙伴支持该支付技术。

🍎Apple Pay庆祝十周年,宣布未来发展规划,包括增加奖励兑换及扩展分期付款贷款选项。如在美国新增对Affirm的贷款支持,在英国对Monzo Flex的支持,今日起Klarna在美英两国的线上及应用内支付中启用。

💳未来Apple Pay将扩大分期付款贷款选项,纳入来自花旗等银行的符合条件的信用卡或借记卡。在美国以外,还包括澳大利亚的ANZ、新加坡的DBS、西班牙的CaixaBank等银行的支持。

🎁Apple Pay将为消费者提供奖励兑换选项,发行方和贷款方可用此更好地与客户连接。苹果钱包的目标是完全取代实体钱包,其已支持活动门票、交通卡等功能,但数字身份证的采用因州而异。

📈Apple Pay已被全球78个市场的数百万消费者使用,在数百万网站和应用以及数千万商店中得到应用,且有超过11,000家银行和网络伙伴支持该支付技术。

On Thursday, Apple celebrated 10 years with Apple Pay and announced how the service will evolve in the future, including with the later addition of redeeming rewards and expanding installment loan options. In addition to Apple Pay’s newly added support for loan options from Affirm in the U.S., and Monzo Flex in the U.K., the iPhone maker shared that starting today, support for Klarna will also go live in the two countries including both at checkout online and in-app with Apple Pay.

Further down the road, the company says that it will expand access to installment loan options to include those from eligible credit or debit cards, including those from Citi and Synchrony in the U.S. and other participating issuers with Fiserv. Outside the U.S., these options will also include ANZ in Australia, DBS in Singapore, CaixaBank in Spain, and, in the U.K., HSBC, NewDay, and Zilch — some of which had been announced previously. (NewDay and Zilch are newer additions).

Klarna will be rolled out to Canada at some point in the future, as well, the company said.

These installment loan options follow Apple’s surprising decision to roll back its plans for Apple Pay Later, its own “buy now, pay later” service. This June, Apple said it was killing the option that had first launched in late March 2023. Instead, Apple said it would work in partnerships with Apple Pay-enabled banks and lenders. This decision allows Apple to ensure banking partners stay connected with Apple Pay, as it becomes a new source for installment loans, instead of seeing Apple compete with them directly.

In an announcement on Apple’s newsroom, Jennifer Bailey, Apple’s vice president of Apple Pay and Apple Wallet, suggested that the loan providers were only the start of further changes for Apple’s payment service and Wallet. She noted the company would later give consumers “the option to redeem rewards,” which Apple Pay-enabled issuers and lenders could use to better connect with their customers, the exec explained.

She said that the company’s larger goal with Apple Wallet is to replace users’ physical wallets entirely, something it’s been working on with the app’s support for things like event tickets, transit cards, keys, and government IDs. However, the adoption of digital IDs has varied by state, with CaliforniaArizona, Colorado, Georgia, Hawaii, Maryland, and Ohio now supporting digital driver’s licenses and state IDs, while others only have support on the roadmap, or not at all.

Apple also shared some stats about Apple Pay’s adoption after its 10-year history, noting it’s now used by millions of consumers across 78 markets, on millions of websites and apps, and in tens of millions of stores worldwide. More than 11,000 bank and network partners support the payment technology, too.

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Apple Pay 分期付款 奖励兑换 数字钱包
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