Apple and the American bank Goldman Sachs are reportedly working on launching a financial loan service in the United States and installment payment for purchases made via Apple Pay.
Users of the Apple brand's mobile payment service will be offered several choices allowing them not to immediately pay the full amount of an expenditure made, reveals
Bloomberg
, relayed by
Forbes
.
Consumers will be able to opt for a payment in four installments every two weeks free of charge.
Payment may also be spread over several months, subject, however, to the application of an interest rate.
In all cases, customers will have the choice of having the amounts due debited from any bank or credit card account.
Millions of Americans potentially affected
The loans on which the device called Apple Pay Later is based will be insured by Goldman Sachs.
To benefit from it, users will have to wait until they have received an authorization after registering and submitting an identity document via the Wallet app on their iPhone.
This platform will then allow them to manage their payment and even, if they wish, to make an early repayment of their loan.
The service will potentially be accessible to tens of millions of Americans.
50 million people have in fact downloaded Apple Pay in the country, which also has 6.5 million owners of Apple Card, the company's payment card.
Only 40% of mobile app users use it frequently.
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