Apple has presented its own virtual credit card – Apple Card. When paying by credit card, the company instantly returns 2% of the total purchase amount. It is easy to order a card: just spent a few minutes in the Apple Wallet app. To use the service you need only the iPhone.
At the presentation, the card was given not so much time as the rest of Apple’s new products, but presented in sufficient details. The company showed its physical carrier – a titanium card without a number, a term and a CVV code. All necessary data will be stored on the phone without which it is impossible to use the card.
You can see the history of recent transactions easily in an application that enables you to keep statistics. At the presentation, the user-friendly interface caused delight and loud applause from the audience. The fact that the Apple card has interested users is also confirmed by media statistics. The chief editor of The Verge, Nilay Patel, said that the article about the Apple Card was the most viewed material about apple products. The Russian Internet publication TJ declared exactly the same.
In Russia, such a rush around Apple’s card was viewed with irony. The fact is that Russian users have been familiar with cashback and high-quality online applications. These services have been provided by «Sberbank» , «Tinkoff Bank» and «Rocketbank» for many years.
Про физическую вообще молчим. https://t.co/SsVApt9SKf pic.twitter.com/0Ky4aji5ug
— Сбербанк (@sberbank) March 25, 2019
Apple Card это инновационный продукт для США, но русскому человеку на это смотреть чуть неловко. Они форсят чат и красивые графики трат за месяц. У нас это есть давно и красиво. pic.twitter.com/lNNfw7PGdF
— Wylsacom Fold (@wylsacom) March 25, 2019
Apple сейчас показывает американцам «Сбербанк.Онлайн» — чаты, статистика, категории расходов.
Все в шоке
— Vadim Elistratov (@great_laziness) March 25, 2019
And this is really the case when the States are in no hurry to keep up with progress. In Russia the flowering of IT technologies in the banking sector began in the 2010s. One of the first innovative banks was «Tinkoff» in 2011, and later – «Rocketbank» in 2013. Therefore, the presence of mobile banking and the return of interest on purchases of a Russian user is no longer surprising.
According to experts, the Apple Card will not immediately become the market leader. However, it is expected that the card will push for changes stagnant US banking sphere.