Tech
Exclusive: Apple enters the BNPL market as regulation, competition intensify
#Apple #enters #BNPL #market #regulation #competition #intensify
During its WWDC keynote, Apple announced a bevy of changes and updates to its hardware and software. In the mix were anticipated improvements to its various operating systems and computers — and plans to expand its fintech footprint.
Apple has been growing as a consumer finance company for some time, most famously thanks to its Apple Pay service and the launch of a branded credit card in recent years. However, while it’s earned a market footprint of sufficient scale as to matter in the consumer financial technology market, it’s not considered a fintech company per se.
That could be changing. During its WWDC speech, Apple announced a new service called Apple Pay Later that will allow consumers to make mobile and online purchases sliced into four payments over six weeks at the millions of U.S. retailers that already accept Apple Pay. The offering won’t include fees or other charges, the company said, requiring only a “soft” credit check and review of the user’s transaction history with Apple.
This concept should be familiar. Often described as “buy now, pay later,” or BNPL, the installment payment method became a startup darling in recent years, with companies like Affirm (which has Stripe and Amazon partnerships) riding the consumer credit option all the way to the public markets. Klarna reached an epic scale as a private BNPL company, and we’ve recently seen Block buy Afterpay, a BNPL provider, and a merger between Sezzle and Zip.
“We are quickly seeing BNPL providers evolve into more full-featured digital wallets that include ‘pay in one’ in addition to installments, and we have seen traditional digital wallets such as PayPal add the pay-in-installment feature. So it is not surprising that Apple has added this feature,” Dayna Ford, senior director analyst at Gartner, told TechCrunch via email. “BNPL has proven to be popular among consumers and merchants as a way to increase sales. It is likely to help boost Apple Pay usage, and it is a logical extension of their growing financial relationship with Apple users.”
“Banks, lenders and merchants need not view Apple Pay Later as a threat but rather as an opportunity to carve out their own niche in what has become the payments standard.” Jifiti CEO Yaacov Martin
TechCrunch has reported on myriad BNPL startups around the world, each chasing scale with modest model variations, at times focusing on particular verticals or other forms of customer segmentation. How will all of these BNPL-focused providers fare with Apple pounding its way into their market? We got an early look at what investors are thinking, at least, when shares of Affirm sold off in the wake of Apple’s news.
But that’s just one company, one result. What about outfits like Afterpay and Affirm? Will Apple’s news upset their apple carts? And what should we consider the potential impact of Apple’s news on the smaller, regional or otherwise niche-y BNPL players that raised so very much capital in the last few years? TechCrunch wanted to find out.
Competition
It’s worth noting that the BNPL sector has been under some pressure in recent months. After Affirm’s share price came back to Earth following a period of investor fancy, Klarna was forced to change up its fundraising hopes, cutting its valuation to pursue new capital.
The company remains on the defensive. TechCrunch has written about the economics of the BNPL world here, if you would like to go deeper.
To get a better handle on how Apple will impact the well-funded, if slightly ill market, TechCrunch reached out to — and heard back from — many of the major vendors in the BNPL space, including Affirm, Afterpay and Splitit. Klarna declined to comment.
Tech
Exclusive: Disney Plus is Taking Longer and Longer to Stream New Marvel Movies – CNET – TalkOfNews.com
#Disney #Longer #Longer #Stream #Marvel #Movies #CNET
After the depths of social distancing pushed a wave of big-budget movies straight to streaming, theatrical exclusives are the norm again. But for a while, it seemed like Disney and other big Hollywood movie studios might be falling into a new post-COVID rhythm for how long they kept flicks in theaters before streaming them, one that was much faster in shuttling films to a streaming service than before.
But now streaming release dates are all over the map. And for the biggest films, like Marvel’s, the waits seem to be stretching out longer and longer.
Black Panther: Wakanda Forever will take longer to start streaming on Disney Plus than any other Marvel movie in the pandemic era — and that may not bode well for how long you’ll have to wait to stream the Ant-Man and Guardians of the Galaxy sequels hitting theaters soon.
When will Black Panther: Wakanda Forever start streaming?
Disney Plus will start streaming the Black Panther sequel early Wednesday, starting at 12:01 a.m. PT/3:01 a.m. ET. Its streaming-release date is more than three months after it hit theaters.
How long will it take to stream Marvel’s next big movies?
It’s anybody’s guess, but it probably won’t be quick.
Last year, Marvel released three films in theaters: Doctor Strange in the Multiverse of Madness in May, Thor: Love and Thunder in July and Wakanda Forever in mid-November. Doctor Strange took 47 days to reach Disney Plus. Thor hit Disney Plus 62 days after its theatrical release.
Now Wakanda Forever will take 82 days to start streaming.
That’s the longest that a Marvel movie has spent in theaters before streaming on Disney Plus since the company resumed theatrical exclusives in 2021. That year, Shang-Chi and the Legend of the Ten Rings was in theaters for 70 days and Eternals for 68 days.
(Coincidence or not, the Marvel film that Disney gave the shortest theatrical window among them also had the best overall box office performance. Doctor Strange and the Multiverse of Madness grossed more than $955 million worldwide. Wakanda Forever has generated $840 million.)
However, Wakanda Forever may have been held off Disney Plus so long because of a consideration that doesn’t apply to those other Marvel films this year: The movie, with a Black director and predominantly Black cast, is debuting on Disney Plus on the first day of Black History Month. Disney hasn’t stated any connection in the timing, but it’s possible the film’s wait to start streaming may have been drawn out to coincide.
Still, big Hollywood companies like Disney aren’t prioritizing streaming-subscriber growth nearly as much as they did, depressing the incentive to bring big movies to a service quickly.
Paramount, for example, kept Top Gun: Maverick off its streaming service for 209 days, nearly seven months. The strategy paid dividends at the box office, with the Top Gun sequel grossing nearly $1.5 billion.
Disney has been much more aggressive than Paramount at putting its movies onto its streaming service quickly, but Disney is starting to show that it may be holding back its big-budget films longer in theaters as well. With Ant-Man and the Wasp: Quantumania set to hit theaters next month, Guardians of the Galaxy Vol. 3 following in May and The Marvels arriving in July, you could be waiting more than three months to stream each of them if they stick to Wakanda Forever’s pace.
Tech
Exclusive: OnePlus 11R and OnePlus Pad set to be launched alongside OnePlus 11 on Feb 7 Cloud Event – TalkOfNews.com
#OnePlus #11R #OnePlus #Pad #set #launched #OnePlus #Feb #Cloud #Event
Mehul Reuben DasJan 26, 2023 11:47:28 IST
Although OnePlus has already launched its flagship device for the year, OnePlus 11 in China, they are yet to launch the device in India and the rest of the world. OnePlus has confirmed that the global launch of the OnePlus 11 will take place in India on February 7. However, it seems that OnePlus may be launching a bunch of other devices as well.
OnePlus has a bunch of products lined up for its upcoming Cloud Event, including the OnePlus 11, OnePlus 11R, OnePlus Buds Pro 2, the OnePlus Keyboard, a new OnePlus TV and the OnePlus Pad.
OnePlus will also launch the OnePlus 11R along with the OnePlus 11. The OnePlus 11R hasn’t been launched anywhere else and was actually expected to be launched sometime in March or April.
Amazon India pushed a notification prompt via its app yesterday, which said that the OnePlus 11R 5G will also launch on February 7th, 7:30 PM in India. OnePlus though is yet to make any such announcement.
OnePlus has a bunch of products to offer during its upcoming February 7th Cloud Event, including the OnePlus 11 5G, the OnePlus Buds Pro 2, its first-ever Keyboard, and the new OnePlus TV 65 Q2 Pro. It only makes sense that OnePlus, instead of just launching one of their premium smartphone devices at the event, may choose to launch the entire series on the same day.
A rumour has also surfaced which says that OnePlus may launch the OnePlus Pad as well at the event. Rumours of the OnePlus Pad have been going around since 2021 with more recent speculation suggesting a launch in 2023.
There isn’t much information out there about the OnePlus Pad. However, given the close ties that OnePlus has with Oppo, the OnePlus Pad may be a rebadged Oppo Pad or Oppo Pad Air.
Coming back the smartphones, the global version of the top tier OnePlus 11 is expected to with the latest Qualcomm Snapdragon 8 Gen2 SoC, a 6.7-inch E4 QHD+ OLED display with a 120Hz refresh rate, 50MP primary camera sensor with two additional cameras, 48MP and a 32MP unit, all of which have been tuned by Hasselblad, up to 512GB storage, and a large 5,000mAh battery which supports 100W fast charging. The OnePlus 11 is expected to be priced around the Rs 50,000 mark for the base variant.
The OnePlus 11R, on the other hand, is expected to come with a 6.7-inch FHD+ AMOLED panel with a 120Hz refresh rate and powered by a Snapdragon 8+ Gen 1 processor, which will likely be paired with up to 16GB RAM and up to 512GB storage. As for the cameras, the OnePlus 11R 5G is tipped to come with a 50MP + 12MP + 2MP triple rear camera setup and a 16MP selfie snapper. Lastly, the device will reportedly feature a 5,000mAh battery with 100W fast charging support.
Exclusive: European giant could make offer for Newcastle ace in the coming hours – TalkOfNews.com
Exclusive: Kate Walsh reveals how she met her Australian fiancé Andrew Nixon on The Kelly Clarkson Show – TalkOfNews.com
Exclusive: Walmart-owned Sam's Club plans to open about 30 new stores over next five years – TalkOfNews.com
Exclusive: “His behavior are appalling” – Australian Minister Hints at a Possible Ban on Kanye West From Entering Australia to Meet Wife Bianca Censori’s Family – TalkOfNews.com
Exclusive: Earth Matters: Delay is denial whoever's doing it; drilling permit lawsuit; nine new national trails
Exclusive: Dr. Zev Zelenko Who Saved Thousands of Lives During the COVID Pandemic Is in Critical Condition – Transferred to ICU – TalkOfNews.com
-
Cinema & Celebrities3 days agoExclusive: “His behavior are appalling” – Australian Minister Hints at a Possible Ban on Kanye West From Entering Australia to Meet Wife Bianca Censori’s Family – TalkOfNews.com
-
Politics7 months agoExclusive: Earth Matters: Delay is denial whoever's doing it; drilling permit lawsuit; nine new national trails
-
Politics7 months agoExclusive: Dr. Zev Zelenko Who Saved Thousands of Lives During the COVID Pandemic Is in Critical Condition – Transferred to ICU – TalkOfNews.com
-
Tech8 months agoExclusive: The Best Reasons to Own a NAS Device
-
Sports7 months agoExclusive: Que returns to PGT, leads Aoki field – TalkOfNews.com
-
Business7 months agoExclusive: Wattpad introduces a creator program that can pay writers up to $25,000 – TalkOfNews.com
-
Politics7 months agoExclusive: Arizona's New Law Funds Students, Not Just Government-Run Schools – TalkOfNews.com
-
Cinema & Celebrities8 months agoExclusive: “Elsa Pataky is awesomeness personified”: ‘Interceptor’ Director and Pataky Herself Takes Us Behind the Scenes of the #1 Netflix Movie
Bqyesd
November 26, 2022 at 7:10 pm
buy levofloxacin generic levaquin 500mg for sale
Fzysqw
December 2, 2022 at 9:39 am
cost dutasteride celecoxib 100mg uk brand zofran 4mg
Pkehls
December 3, 2022 at 5:22 pm
aldactone pill fluconazole online order buy diflucan 100mg without prescription
Vdmkel
December 5, 2022 at 12:44 am
ampicillin us order erythromycin 500mg without prescription erythromycin order online
Cjmini
December 6, 2022 at 8:06 am
buy sildenafil 50mg for sale order nolvadex 10mg generic purchase methocarbamol without prescription
Jgshzd
December 7, 2022 at 3:29 pm
cheap suhagra 100mg buy aurogra order estradiol 2mg online
Zfvmxl
December 8, 2022 at 9:39 pm
purchase lamotrigine sale tretinoin online buy tretinoin cream over the counter
Phqwdi
December 10, 2022 at 2:32 am
tadalis pills order voltaren 100mg online diclofenac canada
Jlbgue
December 11, 2022 at 1:48 am
buy isotretinoin 20mg amoxil 1000mg ca order zithromax pills
Smmxta
December 11, 2022 at 7:47 am
order indocin 75mg pills lamisil online buy buy generic trimox 500mg
Ydhjwr
December 12, 2022 at 2:30 pm
cost cialis 5mg natural ed remedies over the counter viagra
Apxcjs
December 13, 2022 at 9:03 pm
cialis 40mg pour homme tadalafil pour homme acheter 50mg viagra en ligne
Jcdoyp
December 13, 2022 at 10:42 pm
prednisone 40mg pill cialis for women viagra overnight delivery
Rchudv
December 15, 2022 at 10:04 am
cialis 10mg kaufen sildenafil kaufen generika original sildenafil 50mg rezeptfrei sicher kaufen
Ejqhvm
December 15, 2022 at 11:06 pm
accutane 40mg ca stromectol 3mg drug ivermectin 6mg tablet
Daovkg
December 17, 2022 at 2:00 am
purchase doxycycline without prescription purchase lasix online furosemide 40mg usa
Oirohi
December 17, 2022 at 10:44 am
buy altace 5mg online cheap irbesartan 150mg purchase astelin online
Hfdodw
December 18, 2022 at 2:52 pm
buspirone 10mg cost cordarone without prescription order ditropan without prescription
Axpoae
December 19, 2022 at 8:56 am
buy hytrin 5mg online cheap azulfidine 500mg price buy sulfasalazine 500mg generic
Hiqdkj
December 19, 2022 at 7:34 pm
buy alendronate 70mg buy alendronate 70mg generic brand pepcid 40mg
Goectz
December 21, 2022 at 12:11 am
buy tacrolimus 1mg pill buy prograf 1mg without prescription ursodiol pill
Aacwcw
December 21, 2022 at 5:20 pm
buy imdur 20mg for sale buy isosorbide 40mg pills telmisartan ca
Lpfeep
December 22, 2022 at 5:48 am
bupropion 150 mg us order zyban 150mg pill order quetiapine 100mg online
Qjfzei
December 23, 2022 at 1:53 am
molnunat 200mg without prescription buy lansoprazole 30mg without prescription lansoprazole pills
Xigfgo
December 23, 2022 at 3:09 pm
buy zoloft 100mg Buy viagra australia viagra 100mg pills
Whhhoh
December 24, 2022 at 4:49 am
purchase imuran sale viagra 100mg price buy viagra pill
Vwwqrh
December 24, 2022 at 7:37 pm
cialis 20mg us Buy no rx cialis buy sildenafil 100mg generic
Rzuphg
December 25, 2022 at 11:47 pm
revia 50mg without prescription aripiprazole 30mg pill buy aripiprazole generic
Pxduww
December 26, 2022 at 11:35 am
buy generic avlosulfon 100mg order perindopril sale aceon 8mg price
Kvmtql
December 28, 2022 at 1:03 am
provigil generic provigil 100mg usa ivermectin 12mg online
Leubyr
December 28, 2022 at 8:02 am
fluvoxamine 100mg pill buy duloxetine generic glucotrol 10mg generic
Ogjrrr
December 29, 2022 at 5:47 am
accutane 40mg cost buy amoxicillin sale buy deltasone 5mg without prescription
Xtbjnz
December 29, 2022 at 8:40 pm
buy piracetam 800mg without prescription order sildenafil 100mg sildenafil 100mg pills for men
Dbjhtb
December 30, 2022 at 9:33 am
buy zithromax 250mg sale buy prednisolone 20mg pill buy gabapentin 600mg online cheap
Pyswdy
December 31, 2022 at 12:29 am
tadalafil 10mg ca order tadalafil 10mg order sildenafil 100mg online
Hlzqjf
January 1, 2023 at 3:44 am
tadalafil 20mg over the counter cialis online order anafranil 50mg online
Ubolhf
January 1, 2023 at 4:47 pm
chloroquine 250mg us baricitinib 2mg cheap order olumiant for sale
Yydjhl
January 2, 2023 at 8:25 am
purchase sporanox pills sporanox 100 mg without prescription purchase tindamax online
Cbkynj
January 2, 2023 at 8:52 pm
glycomet generic cialis 40mg ca order tadalafil 40mg pills
Yvzeeu
January 4, 2023 at 12:55 am
oral amlodipine 10mg purchase norvasc generic buy tadalafil 5mg online
Gdhlow
January 4, 2023 at 4:39 pm
brand clozapine order clozapine pills dexamethasone 0,5 mg canada
Elmetj
January 5, 2023 at 5:08 am
viagra for sale online lisinopril 5mg price purchase lisinopril sale
Ogefmr
January 6, 2023 at 9:19 am
order omeprazole 10mg pills prilosec pills best online casino for real money
Wiuvrs
January 7, 2023 at 1:02 pm
buy lopressor 100mg online vardenafil 20mg drug order levitra 20mg online cheap
Xduibc
January 8, 2023 at 2:00 pm
pay to do assignment online blackjack game play online blackjack real money
Thnnds
January 9, 2023 at 2:34 am
order levitra 10mg pills buy levitra generic methylprednisolone 8mg over the counter
Qkubgq
January 9, 2023 at 8:01 pm
do my term paper write my paper for me sildenafil 25mg
Iewvat
January 10, 2023 at 8:28 am
order clomiphene 100mg pill clomiphene buy online blackjack game
Plhcfh
January 11, 2023 at 10:26 am
cheap cialis generic order tadalafil 5mg generic order sildenafil 50mg online
Qoynnq
January 11, 2023 at 2:13 pm
cost triamcinolone 10mg cheap loratadine 10mg purchase clarinex
Mxmbhc
January 12, 2023 at 7:32 pm
order dapoxetine 60mg for sale levothyroxine pill buy levothyroxine sale
Eztpqm
January 12, 2023 at 9:08 pm
tadalafil brand name order viagra 50mg online viagra sildenafil 200mg
Zipxup
January 15, 2023 at 7:30 pm
methotrexate 5mg price order metoclopramide pills metoclopramide for sale online
Byktkf
January 16, 2023 at 9:56 am
motilium 10mg oral tetracycline 250mg usa cyclobenzaprine brand
Almwtx
January 16, 2023 at 11:59 pm
cozaar 25mg drug nexium 20mg for sale topamax drug
Tekiuo
January 18, 2023 at 4:34 am
purchase imitrex order imitrex 25mg generic order dutasteride pill
Zlryst
January 18, 2023 at 7:54 pm
buy gloperba pill doubleu casino online casino slots casino
Kiydtq
January 19, 2023 at 9:32 am
zantac cost buy meloxicam 15mg for sale celecoxib usa
Smvcyy
January 20, 2023 at 1:04 am
best online gambling sites real casino games play slots online
Mggwig
January 20, 2023 at 2:24 pm
flomax canada order zofran 8mg generic buy aldactone online cheap
Dvsvwx
January 21, 2023 at 2:54 pm
purchasing cialis on the internet ciprofloxacin cheap order ciprofloxacin 500mg pills
Ozjbcv
January 22, 2023 at 10:58 am
buy zocor for sale order zocor 10mg without prescription propecia us
Ikmpjz
January 22, 2023 at 7:40 pm
metronidazole cost buy bactrim 480mg for sale trimethoprim oral
Ufazbe
January 23, 2023 at 3:42 pm
order fluconazole 200mg pills diflucan over the counter sildenafil 50mg drug
Jqdlou
January 24, 2023 at 12:37 am
order cephalexin pills buy cephalexin 250mg buy erythromycin 500mg sale
Ofizqr
January 24, 2023 at 6:19 pm
tadalafil 20mg ca usa pharmacy cialis order sildenafil 50mg
Bdhvnr
January 25, 2023 at 2:10 am
cost sildenafil 50mg sildenafil 100mg generic order tadalafil 20mg
Jirvbd
January 25, 2023 at 10:47 pm
cefuroxime 250mg cheap order cefuroxime generic buy methocarbamol 500mg
Vedbiy
January 26, 2023 at 2:51 pm
online card games casino online real money cialis over the counter
Tlrirr
January 28, 2023 at 2:29 am
write essays for money essays for sale online buy ivermectin cream for humans
Tujhzh
January 28, 2023 at 12:54 pm
oral sildalis sildenafil 25mg price buy lamictal 50mg generic