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In less than an hour, apple destroyed 15 startups

2022-06-28 12:12:00 【Big data V】

Reading guide ： Before Apple attracts a lot of customers , How to deal with the more affected brands ？

Authorized by official account. CSDN（ID：CSDNnews）

author ：Jano le Roux

translator ： Zhang Yuming , Coordinating editor ： Du min

When the QR code appears , Bank card payment is rapidly away from people's lives ,pos The machinery industry has been hit hard . alike , In a world of rapid technological development , With better 、 faster 、 When more innovative ways or products appear , Some products are destined to become obsolete . Apple WWDC Bring a lot of innovative products and ideas , While bringing convenience to people , Some companies have also suffered “ crowning calamity ”.

In this year's apple WWDC22 Before the meeting , Many founders of technology companies are worried ： They are worried that their business will be out of date .

However , When WWDC22 After bringing a wave of cutting-edge technology updates , It has been found that these technological updates have at least 15 Startups are struggling .

01 Apple version of “ Spend bai ”——Apple Pay Later, Buy first and pay later , No interest

Have you ever felt that way ？—— See some great things , But now there is no money to buy it in full , And you don't want to use a credit card to advance .

This is very bad , Whether it's for people who need to save money to buy the products they want , Or for those enterprises that could have increased sales .

therefore , Several smart people saw business opportunities from it , Came up with an idea ：

You enter an online store ;
See what you like ;
Its price is 499 dollar , And your account has only 323.87 dollar ;
But just " Add to cart " Under the button , There is a line that says the merchant provides a " Buy first and pay later " Options ;
Check out through this button , They do a quick credit check , Then inform you of the opportunity to buy first and pay later . Some suppliers who pay later will charge you interest , Some don't ;
You pay the first amount ——125 dollar , You can get what you want , Then pay the rest ;
The payment supplier will charge the enterprise later 4-6% A large commission fee .

This is actually a loan , But smart marketers package it as "buy first, pay later..." .

However, Apple has subverted the core of this business model ： Simplify it .

（ Tuyuan apple ）

Apple's model reduces the complexity for customers and enterprises , The pattern is as follows ：

Customer ：

No cost .
No interest .
Now you only need to pay a small amount , The rest can be paid in more than six weeks .

And Apple Pay The merchant associated with the supported payment service provider ：

No additional Commission is required .
No additional payment plug-ins or API Connect .

For luxury online shop owners , The biggest problem is , You can use the existing Stripe（ Internet payment processing platform ） The integration implements exactly the same functions as apple , And most customers are using apple devices to buy , So why pay extra commission for these services ？

It doesn't make any sense .

Of which Apple Pay The most influential brands are ：

Afterpay： A payment company , It provides a more flexible payment method for customers , Consumers do not have to pay for the full amount of the goods they buy , It can be divided into the highest 56 Days. , Pay in installments every two weeks , No interest or service charge will be charged during the period .
Klarna： Founded on 2005 year , It is committed to providing overseas and local payment methods with high conversion rate for global merchants .
Sezzle： Provide buy before pay service , Four payments in six weeks , No interest .
Splitit： Provide buy before pay service , hire purchase , Let consumers use the credit lines they earn to pay for what they want and need on their terms .
Perpay： Buy first and pay later , No credit check is required .

02 Freeform—— Minimalist collaboration whiteboard

While working at home , Many creative people feel they need tools , Be able to brainstorm in real time on the digital whiteboard , Present their ideas .

This has led to the emergence of a large number of new products , These tools seem to be very helpful for telecommuting . But judging from some user comments , Obviously , The experience of many products is not as good as it looks .

therefore , Apple decided to bring its frictionless collaboration tool to the world —— Just launched a new product called Freeform New applications for .

（ Tuyuan apple ）

Freeform Is a powerful new collaboration tool , It has a customizable canvas , Allow users to view... In one place 、 Share and work , Don't worry about layout or page size . in addition , It also supports Apple Pencil.

Users work in a real-time environment —— When uploading information or making changes, you can see other people's changes .

Freeform It also allows the collaborators to learn from FaceTime Start a session , And view other people's updates in the information thread .

most important of all , It can be iPad、iPhone and Mac Upper use .

But it's clear , This is a product mainly focusing on iPad Application on .

The most affected brands ：

Mural： Take the digital whiteboard collaboration space as the center , Provide a real-time or asynchronous collaborative work environment for teams .
FigJam： A whiteboard collaboration tool , Teams can use it for brainstorming 、 Online meeting 、 Create charts, mind maps, etc .
Miro： Virtual team cooperation platform , Form based on whiteboard ,miro It provides richer content support, such as video 、 file 、 Labels and mind maps .
Whimsical： An online process mapping tool , Just need a browser to draw beautiful flow chart anytime, anywhere , Support multi person online collaboration .

03 Passkey—— Password Terminator

Do you use the same password on two websites ？

Login with only password is one of the most serious security problems on the Internet , But it is inconvenient to store too many passwords , As a result, many people use the same password repeatedly on several websites .

Hackers exploit these vulnerabilities , Steal sensitive information of users , In order to demand ransom .

To deal with these situations , Password manager came into being .

Many marketers of password managers take advantage of people's fear . Until today, , These companies are still trying to scare people , Let them use expensive password management services , To ensure that some important passwords are not peeked at .

But Apple has other plans .

Although Apple acknowledges that there has been some progress in password managers and traditional types of two factor authentication , But apple is working with Google 、 Microsoft cooperation , Conduct password free operations .

Their overall plan is to create a password free network .

The work flow is as follows ：

Use iPhone perhaps iPad Scan QR code on the website .
Use touch ID Or face ID Authentication .
Apple passed Web Authentication API Send a public key to approve login , Then you can log in .

If you use touch support ID Or face ID When you use a new device , It will be more convenient to log in . The application that the user tries to access will directly push the key verification , Just use your face or fingers to authenticate them .

therefore , If there is no password , Who needs a password manager ？

The most affected brands ：

LastPass： A password manager , Once by foreign media TopTenREVIEWS named “ The number one password management tool in the world ”. Through automatic cloud synchronization , Users only need to remember a master password to be able to 、 Enjoy automatic password filling regardless of the number of devices 、 Safety notes 、 Friend password sharing and other functions .
Dashlane： A password manager , It uses unbreakable end-to-end encryption , It can effectively protect user data , And has various powerful security functions .
1Password： Password management software , High safety 、 The software supports multiple platforms 、 Friendly operation interface 、 Can be used on the browser .
LogMeOnce： The password manager can provide password free login , Users can use the... On the computer PhotoLogin Icon , Fingerprints and PIN Sign in .
Keeper： Can store an unlimited number of passwords 、 Protect users from hacker attacks and data theft 、 Encrypt all information in the user database .

04 Tap to pay—— Move POS System

A lot of time , Small businesses do not POS Payment terminal . But many companies have come up with ways , Created mobile POS Payment terminal , People can take it with them , Make bank card payment when necessary .

But the problem is , You need to carry extra hardware with you , It's inconvenient .

And apple has a bold move ： hold iPhone It becomes a mobile POS System , No additional hardware is required .

Apple is responsible for Apple Pay and Apple Wallet Vice President Jennifer Bailey Express ：

As more and more consumers pay with digital wallets and credit cards ,iPhone Upper Tap to Pay It will provide a kind of security for enterprises 、 Private 、 Convenient way , Accept contactless payment , And make use of iPhone The power of 、 Security and convenience unlock a new checkout experience . With the payment platform 、 Application developers cooperate with payment networks , We are making enterprises of all sizes （ From self-employed to large retailers ） It is easier than ever to accept contactless payment seamlessly .

So if iPhone Can be mobile POS, Why carry extra hardware ？

The most affected brands ：

Square： A mobile payment company . Its founder is JackDorsey.Square user （ Consumers or businesses ） utilize Square Mobile card reader provided , With smart phones , Can be in any 3G or WiFi In the network state , Matching card consumption through application , It makes consumers 、 Merchants can pay and receive money from anywhere , And save the corresponding consumption information , Thus, the technical threshold and hardware requirements of card consumption payment are greatly reduced .
Clover Go： Mobile card readers and contactless POS, It can help users pay anytime, anywhere .
Toast： Founded in 2011 year , It is a multi in one POS And restaurant management platform . By putting the restaurant POS、 The front desk 、 A technology platform that combines back office and guest oriented technology with a diversified third-party application market , Support restaurants of all sizes .

The war is certainly not over yet , Because innovation continues . that , Before Apple attracts a lot of customers , How to deal with the more affected brands ？

Link to the original text ：

https://medium.com/swlh/apple-just-wrecked-15-startups-in-less-than-1-hour-ca1593b2ca7f