Apple Card: 3 Things I Wish Apple Would Add

Delton Rhodes
Aug 8, 2019 · 3 min read

With the official launch of Apple Card this week, the tech giant is now entering a new realm of payment services. Although Apple Card offers a new way for consumers to make purchases, there are at least three areas of the user experience where improvements are needed.

1. Vague Rejections for Applicants

One applicant who had been declined posted the rejection email on Reddit. Even though the general reason for this decision is explained, it isn’t specific enough to the existent that an applicant would feel confident in re-applying at some point in the future. If the rejection email would include more details, it’s possible that applicants could more easily work towards a tangible goal (i.e. specific credit score) that improved the chances of qualifying.

Rejection email letter for Apple Card an applicant

2. No Integration With Existing Financial Apps

Spending analytics screen in the Apple Card app

3. No Crypto Payment Option and/Or Crypto Wallet

Other mobile phone manufacturers have added support for cryptocurrencies, so Apple wouldn’t be the first. The best example is Samsung. In March 2019, it introduced a built-in crypto wallet for the Galaxy S10. This wallet supports ETH and ERC-20 tokens as well as decentralized applications. In August 2019, Samsung integrated these same features into its Galaxy Note 10.

This doesn’t mean that Apple, like Facebook or Walmart, has to try to launch its own cryptocurrency. It could merely use the Apple Card as a way to support existing cryptocurrencies natively on iOS devices.

Samsung offers built-in support for crypto, so why not Apple?

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