Goldman Sachs yana binciken yuwuwar fadada Apple Card a wajen Amurka

Lokacin da Apple jiya gabatar Sabon sabis ɗin katin Apple, ya bayyana a fili tun farkon cewa zai sami iyakacin iyaka. Ko a lokacin gabatarwa, an tabbatar da cewa Apple zai mayar da hankali ne kawai ga abokan ciniki a Amurka tare da katin kiredit na dijital da na zahiri, da dai sauransu, saboda a nan ne babban tsarin Apple Pay ke aiki a cikin nau'in Apple Pay Cash - wanda shine tubalin ginin asali na Apple Card. Duk da haka, jim kadan bayan gabatar da sabis ɗin, an ji wakilan Goldman Sachs suna binciken yiwuwar fadada sabis a wajen Amurka.

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Daidai cibiyar banki Goldman Sachs ce ke yin aiki tare da Apple a cikin tsarin katin Apple. Shugaban kamfanin na Goldman Sachs ya tabbatar a cikin wata hira da aka yi da shi cewa a halin yanzu an kai hari kan wannan sabis ne kawai a cikin yankin Amurka, amma a nan gaba suna son ganin ta yadu zuwa sauran sassan duniya.

Idan hakan ya faru da gaske, zaɓin ma'ana ya faɗi akan Kanada da sauran kasuwannin Anglophone a duniya, wato musamman Burtaniya, Australia da New Zealand. Yadda yanayin zai ci gaba za a ƙayyade ta yadda Apple ya yi nasara wajen faɗaɗa sabis ɗin Apple Pay Cash zuwa wasu ƙasashe. A halin yanzu, bayan kusan shekara guda da rabi ana aiki, bai yi kama da ɗaukaka ba.

Babban abin da aka mayar da hankali kan samfurin kuma yana nuni ga matsalolin faɗaɗa katin Apple zuwa wasu sassan duniya. A mahangar kasuwannin Amurka, wannan mataki ne mai ma'ana gaba daya, domin katunan kiredit sun shahara sosai a nan kuma ana amfani da su fiye da sauran sassan duniya. Katunan kiredit a Amurka suna kawo fa'idodi da yawa ga masu su, ko nau'ikan tsabar kuɗi ne daban-daban, inshorar tafiya, shirye-shiryen alamar aminci ko abubuwan da suka faru / rangwame akan samfuran da aka zaɓa da sabis. A Turai, tsarin katin kuɗi ba ya aiki har zuwa irin wannan (wanda ba ya nufin cewa ba a amfani da katunan kuɗi a nan).

Don haka idan haɓakawa a wajen Amurka ya taɓa faruwa, samfurin da zai haifar zai fi yiwuwa ya fi raguwa, musamman dangane da nau'ikan kari. A game da tsabar kudi-baya, wannan ya faru ne saboda gaskiyar cewa dokokin Turai suna buƙatar masu gudanar da katin biyan kuɗi don kusan kawar da kudade don ma'amala a 'yan kasuwa. A Amurka, ma'aikatan kati da masu yin kiredit za su iya "dawo" kuɗi cikin sauƙi ga abokan ciniki ta hanyar dawo da kuɗi, saboda suna da isasshen daki don wannan saboda yawan kuɗin da aka karɓa daga masu siyarwa. A Turai, an haramta kuɗaɗen saye ko žasa, kuma wannan yana sa duk wani babban tsabar kuɗi da ba a samu ba.

Amma Katin Apple ba kawai game da kari na amfani ba ne. Ga masu amfani da yawa, kayan aikin nazarin da katin kiredit daga Apple ke da shi tare da Apple Wallet suna da sha'awa ta musamman. Yiwuwar sarrafa motsin kuɗi, saita tanadi ko iyakoki daban-daban yana da kyau sosai ga masu amfani da yawa. Wannan kadai ya sa ya dace Apple ya fadada wannan sabis zuwa sauran sassan duniya da wuri-wuri. Duk da haka, mutane kaɗan a yau sun san yadda za ta kasance a zahiri.

Source: 9to5mac