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What does Apple Pay Later mean for existing layby services?

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Apple’s Worldwide Developer Conference in California revealed the new Apple Pay Later feature to be launched in their iOS16 software

Apple Pay Later is an extension of the current Apple Pay digital wallet, which is coming to iOS devices, and will allow people to use their phones to make purchases.

The function will allow users to make a purchase immediately and pay it across four instalments.

At the conference, Apple announced the technology will involve zero interest rates or late fees.

“Users can apply for Apple Pay Later when they are checking out with Apple Pay, or in Wallet.”

APPLE

The technology is not the first of its kind with services like AfterPay, Affirm, Klarna and PayPal already adopting layby models for users.

“Apple Pay Later is available everywhere Apple Pay is accepted online or in-app, using the Mastercard network,” the company says.

Since the announcement, Affirm stock levels have already dropped 3 per cent.

Other companies like AfterPay have been struggling and declining in the market for some time.

Some Twitter users are expressing concerns the technology will encourage people to overspend, while others say it will help with budgeting.

The new iOS16 technology also sees a number of other features including the eradication of messages and photo album sharing.

Amanda Gunn contributed to this report

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Cost per click advertising on big tech brings new ideas to market

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Google Search Ads Soar While Social Media Stays Stable.

Ad costs on major platforms are shifting, with Google Search ads seeing a significant increase—13% year-over-year and 40-50% over the past 4-5 years. In contrast, Meta’s CPMs have remained stable, averaging $8-$11 since 2021, while TikTok’s CPMs have also stayed consistent, between $2.50-$4 post-COVID. The main story is Google’s rising costs, while social media channels remain stable. Businesses should diversify their ad spend, focusing more on cost-effective social platforms and optimizing their Google ads for better ROI to limit the impact of increased Search ad costs. #featured #trending

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Dream team: Disney & Nvidia join forces to produce autonomous AI-powered robots

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Disney revealed a sneak peek into their breath-taking AI-Powered ‘Star Wars’ robots, produced by Nvidia.

On this episode of Ahron & Mike – Disney & Nvidia unite to create robots, home employees are being caught using mouse jiggling tech, and Black Berry makes a bold return.

Ticker’s Ahron Young & Mike Loder discuss.

#featured #trending

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Nintendo’s latest presentation showcased exciting revivals and fresh new titles for Q4

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Nintendo’s exciting 2024 lineup revealed following June Direct: revivals, new titles, and fresh takes.

From enhanced classics like Donkey Kong Country Returns HD to highly anticipated new entries such as Metroid Prime 4, Nintendo’s 2024 releases promise something for every gamer.

Emily Leaney from TeamRetro joins to unpack all the big announcements.

Follow the link here for the full presentation on Nintendo’s official YouTube channel.

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