You left off that it’s also the company that sold you music, movies and TV shows to play on your iPod and iPhone. This is perfectly consistent with that winning

You left off that it’s also the company that sold you music, movies and TV shows to play on your iPod and iPhone. This is perfectly consistent with that winning strategy. iPhones are now payment devices so why not sell a superior, well integrated financial service. If the physical card trips you up, remember that Apple is not above providing you adapters. “Apple Card” is first and foremost a service and iOS-based user interface.