The Future of the Goldman Sachs Credit Card

The fundamentals, I think, looking back, especially financial-wise, changed a lot since the release of the first product together by the two institutions. Apple has made no secret that it wants to insource more of these capabilities. So building its own issuing, processing capabilities, doing more of the servicing and underwriting itself. It acquired a UK company Credit Kudos, which uses open banking data to underwrite.

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