1. Apple to launch a bank.
In the UK Starling and Monzo are shaking up the banking industry with their easy to use apps which show live transactions, and allow for free use abroad and no currency exchange fee’s.
In the USA and Canada, the banking system is a mess. For example it’s common for people to have to pay to use their debit card, unless they receive a certain amount of money a month, or pay a monthly fee. This is a disadvantage for people with smaller incomes, and people who prefer to use their care over carrying cash.
I’d love it for Apple to launch a Starling like bank in those countries, and possibly even buy out Starling here in the UK and launch Apple bank.
The thing is though, Apple would likely see all the other banks drop Apple Pay support because of the competition, and also they have too close of a tie with Barclays and Goldman Sachs to go into competition with them.
2. A focus on software stability.
3. An iPhone with a USB C port.
4.The ability to time delay sending a text message/iMessage.
5. Upgraded HomePod at a more competitive price point.