> Look at their recent BNPL (buy now, pay later) announcement for example. Managing the whole caboodle, including the finance itself, entirely internally. Isn'

> Look at their recent BNPL (buy now, pay later) announcement for example. Managing the whole caboodle, including the finance itself, entirely internally. Isn't that just tax evasion and/or "investment" in a time with negative interest ? > Or look at the fact they still haven't rolled out Apple card internationally. My uninformed guess is that it is more to do with "something's brewing" rather than the US cards not working. Banking and credit card operations are some of the most regulated businesses in the world, and financial authorities have different requirements from country to country, which would make it prohibitively expensive to roll out on a global scale.