What does Apple Pay Later mean for existing layby services?

Published

4 years ago

June 7, 2022

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.

Apple Pay Later will offer a range of different payment options. Photo: Apple

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.

It's a good benefit for consumers who are smart enough to budget and not overspend on their money and use the service on items they can afford. 0% interest payments means I can have money going somewhere else.
— justin – the average rage tweeter (@Jj_scoobs) June 7, 2022

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

Apple’s AI wearable push: Cameras, speakers and a 2027 vision

Apple is developing an AI-powered wearable device, aiming for a launch of 20 million units in the growing AI market.

Published

2 days ago

January 22, 2026

Harvey Vargas

Apple is developing an AI-powered wearable device, aiming for a launch of 20 million units in the growing AI market.

Apple is reportedly developing an AI-powered wearable device equipped with cameras and speakers, signalling its next major move into artificial intelligence-driven hardware.

While still in early development, the company is said to be planning a launch scale of up to 20 million units.

This move places Apple squarely into the fast-growing AI wearable market, where tech giants are racing to define what hands-free, AI-first devices will look like. Rather than rushing to market, Apple appears to be taking a measured approach by embedding AI capabilities into its existing ecosystem.

Reports suggest Apple is also experimenting with camera-equipped AirPods and smart glasses, with a potential launch timeline around 2027. If successful, these devices could reshape how users interact with AI in everyday life.

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Tech

AI spending in 2026: Why investment is compounding, not just cyclical

As 2026 begins, AI investment debates rise; real revenue growth signals pivotal changes for tech adoption and future trends.

Published

3 days ago

January 21, 2026

Harvey Vargas

As 2026 begins, AI investment debates rise; real revenue growth signals pivotal changes for tech adoption and future trends.

As we kick off 2026, the debate around AI spending is heating up. Skeptics warn of cyclical hype, but new evidence suggests that AI investment is delivering real revenue and gaining traction across enterprises. Brad Gastwirth from Circular Technologies breaks down why this year could be pivotal for AI adoption.

We dive into how AI spending today compares to previous tech booms, the impact of circular funding models, and why enterprise and sovereign demand are driving durable growth. Brad explains the compounding effect of AI investment and what it means for future technological development.

Finally, we explore the race toward AGI and ASI and the broader implications for the tech landscape. From skeptics to believers, understanding these trends is key for investors, businesses, and tech enthusiasts alike.

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Tech

TSMC posts record profits on AI chip boom

TSMC posts record Q4 profit, driven by strong chip demand, exceeding predictions and signaling market dominance.

Published

1 week ago

January 16, 2026

Harvey Vargas

TSMC posts record Q4 profit, driven by strong chip demand, exceeding predictions and signaling market dominance.

Taiwan Semiconductor Manufacturing Company (TSMC) has posted a record net profit for the fourth quarter, driven by strong demand for advanced chips.

Net profit surged 35% year-on-year, exceeding analyst expectations and signalling a dominant position in the semiconductor market.

Quarterly revenue also rose 20.5% compared to last year, supported by robust sales in AI and high-performance computing segments. The company’s success reflects the growing global appetite for cutting-edge semiconductor technology.

Looking ahead, TSMC plans to ramp up capital expenditure, projecting investments of up to $56 billion in 2026. The positive results have sparked an upbeat reaction across global markets, highlighting TSMC’s influence in the tech sector.

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