Goldman Sachs Apple Card

Apple’s Financial Services Play, Apple Card’s Secret Weapon, Thursday Q&A

Today's Above Avalon daily update includes the following stories:

  • Apple’s Financial Services Play

  • Apple Card’s Secret Weapon

  • Thursday Q&A

We kick off today’s update by discussing the big picture facing Apple’s Apple Card initiative. The discussion then turns to what I think may be Apple Card’s secret weapon. We conclude with a new installment of Thursday Q&A. I answer the following questions from Above Avalon members:

  • Are we going to hear chatter about a 5G mega upgrade cycle for iPhone?

  • Why don’t we see leaks pertaining to Apple’s manufacturing apparatus (the robots, software, and other R&D that goes into building the machines that are tasked with building Apple products)?

  • Do you think that some of the iPad’s recent unit sales growth is due to upgrades finally happening? If so, is this something that Apple can continue, or is there some risk that the boom and then bust that happened with iPad could happen again once the large cohort of iPad 2 upgrades is finished?

  • Why don’t Apple and Goldman put up an Apple Card website for account and payment etc.?

  • Do you see the Wallet app eventually competing with Mint et al?

  • Do you think Apple will make an Audible/Books subscription service at some point?

Above Avalon membership is required to read this daily update. Members can read the update here.


Above Avalon Membership

Above Avalon members receive all of my analysis and perspective on Apple. The cornerstone of Above Avalon membership is access to my exclusive daily updates about Apple.

Daily updates are 2,000-word emails that revolve around the following topics:

  • Apple business and strategy analysis.

  • Apple financial estimates.

  • My perspective and observations on current news and Apple competitors.

  • Full coverage of Apple earnings, product events, and keynotes.

If it is of interest to Apple, it is something I pay attention to. 

Member Privileges and Benefits

  • Exclusive Analysis. Receive exclusive daily updates containing my analysis and perspective, 100% related to Apple. Approximately 200 daily updates are published throughout the year. Members also receive my exclusive reports, in-depth examinations into Apple's business strategy. Each report covers one topic, and a new report is published each quarter.

  • Apple Earnings Model. Access my working Apple earnings model. The model is fully functional and adjustable with the ability to alter earnings drivers.

  • Email Priority. Receive timely responses to all email questions and inquiries.

  • Archive Access. Read daily updates and reports previously sent to members. The archive can be viewed here.

  • Forum Access. Join other Above Avalon members in a forum containing in-depth discussion and Apple debate. The forum can be accessed here. Members live in 55 countries and hold a diverse range of backgrounds and occupations. I (Neil Cybart) personally moderate and oversee the forum.

  • Receive Above Avalon Weekly Articles via Email. Receive the weekly Above Avalon article via email. This feature is only available to members.

  • Member meet-ups. Meet me and other Above Avalon members to discuss Apple and other related news items. Prior meet-ups have taken place in San Francisco, Cupertino, and San Jose. Future meet-ups are possible in other cities.

  • Above Avalon Support. Play an active role in supporting Above Avalon as an independent source of Apple analysis. Above Avalon is fully sustained by its members.