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The Apple Card is an expensive way to pay

Although it is easy to be distracted by shiny objects such as the new Apple Card, the biggest news in payments last week was a sober announcement from the US Federal Reserve. It wants to shake things up by building its own rapid payments service, rivalling large banks including JPMorgan Chase.

As ever with Apple, its laser-etched titanium card is beautifully packaged, and promises to change the world. This “new kind of credit card” is arriving at the first users’ homes to link with iPhones and give 2 per cent cashback on each purchase for which they tap.

The Apple Card trumpets its superior “simplicity, transparency and privacy” to familiar high-end cards such as Chase’s Sapphire Reserve, which offer a complex set of travel and retail rewards for a high fee. The iPhone app lists things users have bought and shows the double-digit interest clearly.

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約翰•加普

約翰·加普(John Gapper)是英國《金融時報》副主編、首席產業評論員。他的專欄每週四會出現在英國《金融時報》的評論版。加普從1987年開始就在英國《金融時報》工作,報導勞資關係、銀行和媒體。他曾經寫過一本書,叫做《閃閃發亮的騙局》(All That Glitters),講的是霸菱銀行1995年倒閉的內幕。

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