?? Apple waited 12 years to enter India. There’s a reason. India already had UPI, so Apple didn’t try to compete with it. Instead, Apple Pay is targeting a very different part of the market: credit card users and high-value spending. With over 12 crore credit cards in India, there’s a huge pool of users already spending on flights, gadgets, shopping and more. And that’s where Apple sees an opportunity to make money from every transaction, without competing for your ₹20 payment. Apple doesn’t just want to sell you an iPhone. It wants to earn from what you do with it. #personalfinance #money #finance #applepay #iphone