Apple doesn't need to be the bank, just control what the banks have access to. Apple could parse out what it means to actually be a bank. Working Capital (or da

Apple doesn't need to be the bank, just control what the banks have access to. Apple could parse out what it means to actually be a bank. Working Capital (or day to day bill paying) is different than long term savings, lending, investment accounts, and all the other retail products they are trying to invent. Each is a commodity service, but billing has a significant streamlining/comptroller opportunity that could be helpful to Apple's profitability.