MacRumors

Apple today expanded its "Trade Up with Installments" program for iPhone to France, Italy, and Spain, enabling customers to trade in an eligible older-generation iPhone, Android, or Windows Phone smartphone and put the value of that device towards a new iPhone based on a 24-month payment plan.

When a customer in Italy trades in a used 16GB iPhone 5s for a new 16GB iPhone SE, for example, an amount of €16.98 must be paid each month for the duration of the two-year installment plan. A total of €425.52 would be owed after interest rates are applied to the price. Exact prices vary depending on the combination.

The program is effectively a loan handled by Apple as an intermediary, so customers will need approved credit to qualify. The exact amounts paid may vary depending on the condition of the smartphone traded in. Apple's financing partners include Sofinco in France, Agos Ducato in Italy, and Cetelem in Spain.

"Trade Up with Installments" was heretofore exclusive to the U.S., where the program is financed by Citizens Bank with a 0% interest rate.

Apple recommends that customers speak to a Specialist at an Apple Retail Store for more details. The offer is not available online and is set to end on August 31, 2016 in France, Italy, and Spain. Apple's similar iPhone Upgrade Program remains exclusive to the U.S., so this program is a viable alternative for financing a new iPhone.

(Thanks, setteBIT!)

Support for encryption legislation in the U.S. has flatlined and the push for changes in federal law following the San Bernardino shootings has petered out, according to sources in congressional offices, the administration and the tech sector (via Reuters).

On February 16, a U.S. federal judge ordered Apple to help the FBI to unlock the iPhone owned by Syed Farook, one of the shooters in the December 2015 attacks in San Bernardino that left 14 people dead.

Apple announced that it would oppose the order in an open letter penned by Tim Cook, who said the FBI's request would set a "dangerous precedent" with serious implications for the future of smartphone encryption.

Apple claimed the software the FBI asked for could serve as a "master key" able to be used to get information from any iPhone or iPad - including its most recent devices - while the FBI claimed it only wanted access to a single iPhone.

Apple's dispute with the FBI ended on March 28, after the government found an alternate way to access the data on the iPhone through the help of "professional hackers" and withdrew the lawsuit as a result.

During the controversy, a Senate Intelligence Committee encryption bill was announced by committee leaders Richard Burr and Dianne Feinstein, which aimed to force companies to provide "technical assistance" to government investigators seeking locked data.

A released draft of the encryption bill in April revealed the scope of the proposed legislation, which was heavily criticized by security experts and the wider technology community, and described variously as "absurd", "technically inept", and "dangerous".

An open letter expressing "deep concerns" about the draft bill was subsequently signed by four coalitions representing Apple, Microsoft, Google, Amazon, and other major tech companies. At the same time, the White House chose not to offer public support for the legislation, and the administration remained deeply divided on the issue.

The CIA and NSA were also ambivalent, according to several current and former intelligence officials, because agency officials feared any new law would interfere with their own encryption efforts.

Now, despite Burr repeatedly insisting that legislation is imminent, no timeline exists for the bill, Democrats and Republicans on the Intelligence Committee have apparently backed away from the issue, and the political will to support its advance no longer appears to exist.

Despite the change in the political landscape, however, the FBI remains adamant that litigation over the encryption of mobile devices will continue.

In a briefing with reporters earlier this month, FBI director James Comey called encryption an "essential tradecraft" of terrorist organizations like ISIS, suggesting that the debate over whether the government can compel tech companies to unlock personal devices in the interest of national security is far from over.

Note: Due to the political nature of the discussion regarding this topic, the discussion thread is located in our Politics, Religion, Social Issues forum. All forum members and site visitors are welcome to read and follow the thread, but posting is limited to forum members with at least 100 posts.

Apple this morning elaborated on its plans to expand Apple Pay coverage and achieve its goal to deliver the mobile payment service to "every significant market" the company is involved in.

Currently Apple Pay is available in six countries, including the U.S., Canada, the U.K., Australia, and China, with plans already underway to bring the platform to Hong Kong and Spain. Earlier this week the service expanded its presence in Singapore to support five major banks and cover over 80 percent of cards, and VP of Apple Pay Jennifer Bailey says many more rollouts are on the way.

Speaking to TechCrunch, Bailey said that Apple is "working rapidly" in Asia and Europe to extend the service, stopping short of revealing which country would be next. But she did share some insight into what Apple is seeking when it assesses potential expansions.

"First, we look at the size of the market for Apple products," she said. "We also look at credit and debit card penetration, and [existing] contactless payment coverage.

"[But] when we bring Apple Pay to market even when contactless is low, it will grow — it was 4 percent in the U.S. but is now 20 percent. We also work with our network partners, where we can utilize integration with Amex and Visa, to go to market quickly."

Commenting on China, Bailey said that the service's launch in February had been "really successful" and Apple was "seeing incredible user and developer reception", with a number of prominent consumer tech companies integrating the service into their apps to enable digital payments.

In March, it was reported that the service hit three million provisions inside the country in its first three days. The launch initially covered 12 bank locations across China and that number has now risen to 19. In the U.S., Apple Pay began in October 2014 with support across six bank locations. It now covers 2,500, and the company reportedly has designs on bringing the service to ATMs in the near future.

Apple is also focused on introducing loyalty programs to other markets, having completed its first rollouts in the U.S. Similarly, Apple is working to expand support for online and in-app payments in all markets.

Back in February, leaks suggested that France, Hong Kong, and Brazil are on Apple's expansion list for this year, while CEO Tim Cook hinted this week that India could also be set to get the mobile payment service soon.

Earlier this week, The Information said Apple was actively developing an in-home hub that would compete with the Amazon Echo and the Google Home, and now VentureBeat has shared new details on the product and its prospective features.

Citing an unnamed source, VentureBeat says rather than developing a new product, Apple could add Echo-like features to a revamped version of the Apple TV. The Amazon Echo, for those unfamiliar, is an in-home personal assistant device with a built-in speaker and a robust AI system. The Echo is able to perform a wide range of functions, from giving weather reports and answering queries to controlling smart home devices.

A future version of the Apple TV may gain a dedicated microphone and speaker, along with deeper Siri integration to allow it to function like the Echo. Processing queries and serving up results is said to require additional computing infrastructure, which Apple is working on. It is not clear what extra computing infrastructure is needed as the fourth-generation Apple TV includes the same A8 processor that was used in the iPhone 6 and the iPhone 6 Plus, two devices more than capable of processing Siri inquiries.

The company will build on its enhancements to the Apple TV announced last year, which brought the Siri virtual assistant to the set-top box. A new version of the Apple TV will solve problems with the existing box and remote control, a source familiar with the matter claims.

"They want Apple TV to be just the hub of everything," the source told VentureBeat.

Apple reportedly considered several options, ranging from a more comprehensive Siri implementation in the Apple TV to an improved Siri Remote to a standalone Echo-like product, but the standalone option was dropped in favor of furthering development on the Apple TV.

VentureBeat's report does not include details on when a next-generation Apple TV box with the aforementioned features could be released, but a late 2015 rumor from DigiTimes suggested Apple was already at work on a fifth-generation Apple TV with a new CPU and redesigned heat-dissipation solution to go along with it.

Turning the Apple TV (or another hardware product) into an Amazon Echo competitor will require more robust Siri capabilities, which could come as soon as iOS 10. Apple is said to be working on a Siri SDK, allowing third-party developers to build Siri support into their apps.

iTunes and services chief Eddy Cue proposed the idea of Apple bidding on media conglomerate Time Warner at the end of last year, according to the FT.

The discussions reportedly never progressed beyond the preliminary stage, however, and did not involve Apple CEO Tim Cook or Time Warner CEO Jeff Bewkes.

The meetings had reportedly been arranged for the companies to discuss other partnerships, such as the inclusion of Time Warner assets in Apple's much-rumored streaming TV service.

Time Warner and its subsidiaries own several iconic media properties, including CNN, HBO, TBS, and TNT, that would be appropriate for a Netflix-like service streamable on the Apple TV, Mac, iPhone, iPad, and other devices. The company also holds the broadcast rights for the NBA in the United States.

The report adds that Apple plans to ramp up spending on original content to "several hundred million dollars a year" in order to better compete with rivals like Amazon and Netflix, both of which offer a growing number of exclusive TV series.

Earlier this year, it was reported that Apple executives met with TV producers and Hollywood studios about developing original TV shows that it would offer exclusively to its iTunes customers. Those discussions were also reportedly led by Cue and Robert Kondrk, vice-president of iTunes content.

The original content could spearhead Apple's plans to launch its streaming TV service, which has been delayed due to its difficulties in securing deals with media providers like CBS, ABC, Fox, Disney, Discovery, and Viacom.

Earlier reports claimed that Apple would offer a skinny bundle of channels for around $30 to $40 per month, while the original content would presumably be available to stream or purchase on the iTunes Store.

In April 2015, Time Warner CEO Bewkes said he was "pretty confident" that Apple will eventually launch a streaming TV service.

Apple's plan to open three Apple Store locations in India may fall through following a ruling from the Indian finance ministry that says Apple must sell locally sourced goods if it wants to open stores in the country, reports Reuters.

In India, 30 percent of goods sold by foreign companies must be manufactured or produced in the country, a requirement Apple does not meet as its products are largely made in China. India last year exempted retailers selling state-of-the-art goods from the rule, prompting Apple to file a new application with the Indian government.

Apple was expected to receive an exemption from the rule, earning a recommendation from country's Department of Industrial Policy and Promotion, but the ministry of finance has decided Apple's products do not fall into the cutting-edge technology category. A source told Reuters Apple did not provide enough material to justify the exemption.

"They did ask for a waiver but didn't provide any material on record to justify it. The decision was taken only after a thorough examination of their application," the source said.

The waiver is available only for investment in "state of the art" or "cutting-edge technology", he added.

Without the ability to open its own retail stores in the country, Apple will need to continue selling iOS and Mac devices in India through third-party distributors. Apple is eager to expand its business in India as it is a largely untapped market. Last quarter, Apple saw its revenue from India grow 56 percent, surpassing $1 billion.

The ministry of finance's ruling comes just after Tim Cook spent several days in India, where he met with Prime Minister Narendra Modi and other local business leaders, actors, politicians, and developers.

Apple has also announced the launch of a Maps development center in Hyderabad and an iOS app and design accelerator in Bangalore.

Apple has been engaged in discussions with charging station companies about their underlying technologies, according to Reuters.

The talks are largely unsurprising given that Apple is widely believed to be researching and developing its own electric vehicle, which could enter production by 2020.

Apple would of course need to provide a way to charge the so-called Apple Car's battery, possibly akin to Tesla's network of Supercharger partners in the U.S. and around the world.

Charging firms are treading carefully, the person added, wary of sharing too much with a company they view as a potential rival.

It is unclear whether Apple would want its own proprietary technology, such as Tesla Motors' Supercharger network, or design a system compatible with offerings from other market players.

The report offers few specific details about the discussions, but it does confirm that a "global engineering and construction firm" has already contacted Apple to offer its services. It remains unclear, however, if Apple would be open to a charging partner or prefer to create its own proprietary network.

"It would be natural to assume if Apple is going to have a full battery electric vehicle that creates a seamless consumer experience the way Apple does, the charging infrastructure and its availability would be of paramount importance," the source said.

The report also reflects upon a series of charging-related hirings that Apple has made in recent months, based on LinkedIn profiles, such as Nan Liu, described as "an engineer who researched a form of wireless charging for electric vehicles," and former Google charging expert Kurt Adelberger.

As more electric vehicles begin to arrive on the roads, it is expected that EV automakers will have to expand their charging stations to accommodate. Tesla, for example, currently has around 600 charging stations worldwide, which pales in comparison to the nearly 400,000 reservations for its lower-priced Model 3.

Apple is on track to spend a record $10 billion on R&D this year, which analyst Neil Cybart believes is a clear indicator of its electric vehicle plans. Cybart predicted the odds of Apple releasing an electric vehicle are at least 80 percent, adding that Apple has likely already spent at least a few billion dollars on the project.

"Apple is not spending $10 billion on R&D just to come up with new Watch bands, larger iPads, or a video streaming service," he wrote. "Instead, Apple is planning on something much bigger: a pivot into the automobile industry."

The majority of R&D may be taking place in Sunnyvale and the surrounding Santa Clara Valley area, near Apple headquarters in Cupertino, California, with a recent report claiming the company is looking to purchase "large expanses of real estate" in the San Francisco Bay Area for the project.