接着上个Bloomberg新闻聊聊
Apple和GS的态度这样描述大约是准确的，不是Apple牵头提出要转的，而是GS提出要转Apple就坡下驴，没必要强迫GS留。
Apple could have theoretically forced Goldman to hold on — but it has a lot to lose too. The iPhone maker doesn’t want to link its brand to a bad experience or a partner that’s no longer committed to the project. So Apple recently offered Goldman Sachs a deal to get out early.
虽然GS的问题是挣不到钱，我觉得70%的原因是因为GS不会做个人信用卡业务、没数据没能力没经验去做风险管理，i.e., 如果一开始是C1拿到了Apple Card就不会有这么多亏损。15%是苹果霸道要求高，但是说是Apple强迫GS给低信用的人发卡是不现实的，运营层面的盈亏风险都是GS自己担着的它也不是傻子。15%是大环境债务增长经济形势导致的压力顶不住了，这个对所有银行都有影响。
The Apple Card also gets prime placement within the Wallet app, giving it an edge over all the other credit cards usable on an iPhone。
现在Apple Card已经证明了它的模式和方向大体是对的，Apple构建的用户体验和流量入口没人能打得过。找接盘侠不是个难事，这个盘子对于有野心的银行是正资产，sub-prime亏损是小问题。
For all its struggles, the offering has millions of users and more than $10 billion worth of deposits in related savings accounts.
That’s all to say that some of the banks that didn’t want to partner with Apple four years ago might be willing to reconsider today.
但是转给谁目前还是个玄学，转给Amex我是没看出一点合理性，也没人报道说为什么。我觉得下面这位大哥说的对，Bloomberg内涵地也是这个意思。
It has the premium brand and a history of credit card partnerships — and its CEO golfs with Apple services chief Eddy Cue.
Gurman划重点的四个论点倒是有些无足轻重，这些证据就相当于说GS和Amex发联名卡，Amex有个MR Apple Rewards Store，所以盘子会转到Amex一样幼稚
The bank currently handles a number of roles for Apple, including:
*Storing some of the tech company’s roughly $60 billion in cash on hand.
*Serving as one of the earliest and most successful Apple Pay partners.
*Teaming up with Apple on its Ultimate Rewards program, which offers discounts on Apple devices to its banking and credit card customers.
*And, of course, serving as one of the biggest credit card partners for transactions at Apple retail outlets, online store and the App Store.
下面重点来了
Chase has something else going for it: It offers credit cards that use the MasterCard network.
但是这个原因不是因为Apple Card是MasterCard它就一定要留在MasterCard，而是Apple整体的金融版图靠着MasterCard的大力支持，这其中Apple Card只是可能1/8的比重，但是留在一起方便操作。Apple本来的主要网络伙伴就是MasterCard，MasterCard实质上支持Apple的创新，一个例子是Apple Pay Later，MasterCard为了Apple做了一个完全新的产品MasterCard Installments，开了后门允许了Apple作为一家完全没有任何银行身份或能力的公司发通用“信用卡”。这种事Amex没能力支持，Visa不会太愿意支持。
The one component of Apple’s financial services portfolio that wouldn’t be a fit for Chase is its savings account. The savings account deposits could be sold and split up among banks willing to offer the same interest rates to Apple.
这是个关于Apple Savings很好的观点。Apple不是想自己做checking, saving, credit card把银行都打趴下，它是想建立一个支配性的平台拿到广泛的银行合作，在现有的网络基础上成为类网络的地位，类似于Apple Pay作为钱包中介拿15bp抽成，我完全能想到Apple做个Savings平台同样拿抽成。Apple Savings的数据非常好看，用GS证明了savings模式的优越性，之后推广起来阻碍已经少很多了。
但是，我不觉得Chase会接盘，我觉得该Citi接，因为他愿意做Apple的伙伴，也需要Apple这一条大船。
