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Another day, another disruption in the payments universe. Just since we released the latest SRM Academy report on the next wave of payments disruptors, real-world examples of this phenomenon have emerged on a near daily basis. At the crest of the latest wave, Apple’s much-hyped credit card has moved beyond the bleeding edge and entered full rollout mode, complete with the barrage of enticing TV commercials Apple is known for. 

We were well aware of the Apple Card’s imminent arrival when drafting the latest SRM Academy report on the next wave of payments disruption. The new credit card is an important development, but not an earth-shattering one. Stepping back from the breathless hype that accompanies any Apple product launch, this is more an incremental step in a trend that has been ongoing for some time.