There are a number of tough questions there and they require a...

There are a number of tough questions there and they require a crystal ball. At the moment, EML is trapped in the $3.50 to $4 channel, and so far it's holding well. The PFS issue is the reason why its wings have been clipped. Until that issue is resolved, EML won't be out of its "lockdown."
As for Apple, the article seems to infer that Apple will be a disruptor to the BNPL space, and you can see that sector cooling off. I'm hoping some of those holders come to our side.
It did say that Apple may move into the wider fintech space and this may affect EML should they move into open banking, but that's a while off yet. Remember that Apple will only be able to attract a market base that uses their devices, so presumably, Samsung could get into that space too. It's pretty complicated and needs regulatory approval for it all to happen.
As EML already works with ApplePay, further partnerships could arise from Apple wanting further penetration into Australia's fintech sector.
For now, there are too many 'ifs' and at times like this when you're sailing through the fog, all you can do is trust the map and compass
EML has great management. Tom's expertise and knowledge is one reason I continue to hold.