March 2021 - Goldman Sachs leaded the $1.5B zero coupon rate...

March 2021 - Goldman Sachs leaded the $1.5B zero coupon rate convertible notes priced at top of the range $194

April 2021 - Goldman Sachs was taking APT to US listing

Now Goldman Sachs is helping the unexpected competitor AAPL to launch bnpl product??

BNPL is not the core product to AAPL and if they plan to start from zero, it may raise concern on profitability to their current shareholders

So why not AAPL just to acquire/partner with APT then? and Goldman Sachs joint the dot

On the other hand the recent move from Klarna to strategic investment in ZiP is now making sense

AAPL+APT vs Klarna+Z1P

Game is still on

100% speculation only