Most people don't realize that Apple currently operates an investment management division in Nevada that is almost half the size of Goldman Sachs and effectively the world's largest hedge fund: https://en.wikipedia.org/wiki/Braeburn_Capital …
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If effectively already IS a bank. In fact some would argue that it is now a bank that makes cell phones.
End of conversation
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In 2013 I presented to folks that work with me insights that knocked some folks out of their seat:
Apple will release:
-Apple Pay
-A debit card
-A credit card
-P2P payments
-Apple Wallet app and Stock App will merge
-Apple will become a “bank”
Banking and stocks—Apple.