Too much doom and gloom about a company flooding in cash that can pretty much acquire whatever company fixes the area in which they are less great at. I read your whole piece but I must confess that your credibility was in the pits when you stated: “Apple Pay will likely have to compete with a Facebook cryptocurrency on the blockchain.” I don’t doubt it would, but who on their perfect mind would choose Facebook, of all companies, for their financial needs?

I agree that Apple is falling behind in many areas, but they still make a load of money and their fanbase is the most loyal in tech, maybe in any industry. They are simply not growing as much, but given its track record, it was expected.