MacRumors

The U.S. Senate today passed the controversial Cybersecurity Information Sharing Act, also known as CISA, in a 74 to 21 vote. A similar bill has already passed in the House, and the two cybersecurity bills will likely be combined before heading to the White House for a final decision from President Obama. The vote comes a week after Apple spoke out against the bill.

CISA is designed to allow companies to share information on cybersecurity threats with one another and the government. However, as noted by Wired, privacy advocates have asked Congress to kill the bill, saying that it hides "new government surveillance mechanisms in the guise of security protections."

Apple spoke out against the bill last week after other technology companies, like Twitter, Yelp, Wikipedia, reddit also opposed the bill. The Computer and Communications Industry Association, which represents Google, Amazon, Facebook and Microsoft had urged the Senate to make improvements to the bill, saying that they do not support the bill as it's currently written.

The Cupertino company once again reiterated its commitment to user privacy in its opposition to the legislation, saying that it doesn't support CISA and that the trust of its customers "means everything to us and we don't believe security should come at the expense of privacy." Apple has taken a strong privacy stance in recent years, continually noting that the government doesn't have access to its servers. In iOS 8, Apple ended its storage of encryption keys for iOS devices, making it impossible for the company to unlock iPads an iPhones under police request.

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 today shared yet another new ad for the iPhone 6s, this time focusing on the Siri personal assistant and the wireless "Hey Siri" feature built into the new device. The humorous ad stars Bill Hader, who also played a part in the funny "Backstage" video that Apple debuted during the Worldwide Developers Conference in June.

The iPhone 6s is here, and the only thing that's changed with Siri is everything. Because now you just say "Hey Siri" and Siri's there, hands-free. Which can come in handy.

The "Prince Oseph" ad is the fifth iPhone 6s advertisement that Apple has released this week, with each ad focusing on different aspects of the iPhone 6s, like 3D Touch, Live Photos, and the improved photo taking capabilities of the devices. Other ads have starred well-known personalities like Jamie Foxx and Golden State Warriors guard Stephen Curry.

During today's fourth quarter earnings call, Apple CEO Tim Cook said the company saw its highest rate of Android "switchers" Apple had ever measured in 4Q 2015.

According to Cook, 30 percent of customers who purchased an iPhone were upgrading from an Android-based smartphone, the largest number of switchers it had seen in the three years since it started measuring switching rates. "It's a huge number and we're very proud of it," said Cook.

Based on the growing number of Android users switching to an iPhone along with the number of people who have not yet upgraded, the company believes iPhone sales during the first quarter of fiscal 2016 will be strong.

Only one third of Apple customers have upgraded to an iPhone 6, 6s, 6 Plus, or 6s Plus, leaving two thirds of the company's customer base using older iPhones and ripe for a new iPhone.

For the past several quarters, Tim Cook has commented on the growing rate of Android switchers, noting earlier this year that the debut of the larger-screened iPhone 6 and iPhone 6 Plus, which better compete with larger-screened Android phones, had spurred high numbers of Android switchers.

Over the course of the past year, Apple has pursued Android users aggressively. The company introduced a dedicated website for Android switchers in the fall of 2014, and with the launch of iOS 9 in September, it also introduced a new "Move to iOS" app to make it easier for Android customers to switch to an iPhone.

Apple has also introduced a trade-in program designed to lure Android users, allowing customers to exchange their Android devices for Apple gift cards that can be put towards the purchase of an iOS device.

Overall, Apple reported quarterly revenue of $51.5 billion and net profit of $11.1 billion, or $1.96 per diluted share. The company sold a total of 48.04 million iPhones, 9.88 million iPads, and 5.71 million Macs.

Update: Cook's comments actually included the qualifier that the 30-percent figure was out of those who were upgrading from another smartphone, whether it be an iPhone, and Android phone, or another platform. Since the base number does not include those customers who were new to smartphones, the share of total iPhone buyers who switched from Android would be somewhat less than 30 percent.

During today's earnings call for the fourth fiscal quarter of 2015, Apple CEO Tim Cook announced a partnership with American Express that will bring the Apple Pay to customers in "key global markets."

Under the partnership, Apple Pay will be available to eligible American Express customers in Canada and Australia later this year, and access will expand to Spain, Singapore, and Hong Kong beginning in 2016.

Since its launch in the United States in 2014, the international rollout of Apple Pay has been slow. Customers in the United Kingdom gained access to Apple Pay in July, but aside from the U.S. and the UK, Apple Pay has not yet expanded to additional countries.

It is not clear when other banks and credit card companies in Australia, Canada, and other above listed countries will begin accepting Apple Pay, making the initial Apple Pay rollout in those countries somewhat limited.

Apple today announced financial results for the third calendar quarter and fourth fiscal quarter of 2015, setting a number of company records. For the quarter, Apple posted revenue of $51.5 billion and net quarterly profit of $11.1 billion, or $1.96 per diluted share, compared to revenue of $42.1 billion and net quarterly profit of $8.5 billion, or $1.42 per diluted share in the year-ago quarter.

Gross margin for the quarter was 39.9 percent compared to 38 percent in the year-ago quarter, with international sales accounting for 62 percent of revenue. Apple also declared an upcoming dividend payment of $0.52 per share, payable on November 12 to shareholders of record as of November 9. The company currently holds $205.6 billion in cash and marketable securities.

For the quarter, Apple sold 48 million iPhones, up from 39.2 million in the year-ago quarter. iPad sales were down to 9.9 million from 12.3 million in the fourth quarter of 2014, and Mac sales rose to 5.7 million from 5.5 million.

For the full fiscal year, Apple generated $233.7 billion in sales, a new record for the firm, with $53.4 billion in net income.

“Fiscal 2015 was Apple’s most successful year ever, with revenue growing 28% to nearly $234 billion. This continued success is the result of our commitment to making the best, most innovative products on earth, and it’s a testament to the tremendous execution by our teams,” said Tim Cook, Apple’s CEO. “We are heading into the holidays with our strongest product lineup yet, including iPhone 6s and iPhone 6s Plus, Apple Watch with an expanded lineup of cases and bands, the new iPad Pro and the all-new Apple TV which begins shipping this week.”

Apple's guidance for the first quarter of fiscal 2016 includes expected revenue of $75.5-77.5 billion and gross margin between 39 and 40 percent.

Apple will provide live streaming of its fiscal Q4 2015 financial results conference call at 2:00 PM Pacific, and MacRumors will update this story with coverage of the conference call highlights.

Conference Call and Q&A Highlights are available in reverse chronological order after the jump.

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Apple today seeded the first beta of an upcoming OS X 10.11.2 El Capitan update to developers, just under one week after releasing the first OS X El Capitan update, OS X 10.11.1.

The new beta can be downloaded through the Apple Developer Center and through the Software Update mechanism in the Mac App Store.

It is not known what improvements the second update to OS X El Capitan will bring, but it’s likely to focus on bug fixes, security enhancements, and performance improvements to address issues that have been discovered since the release of OS X 10.11.1. According to Apple's release notes, focus areas for the beta include Graphics, Mail, Wi-Fi, Calendar, USB, Notes, Photos, and Spotlight.

Extending its partnership with Apple, IBM is now planning to provide its employees with free or discounted Apple Watch models as part of a "Commit to Health" initiative that will see the Apple Watch distributed to employees under their health insurance plans.

Based on the health plan an IBM employee chooses, they can either get a subsidy that covers the full cost of an Apple Watch or the option to purchase an Apple Watch at a reduced price. IBM is likely hoping its employees will take advantage of the Apple Watch's fitness tracking capabilities, racking up steps and meeting exercise goals to stay healthy.

IBM had a similar program that saw employees provided with Fitbit activity trackers, but it is not clear if the Apple Watch is supplementing this program or replacing it. With the Fitbit program, exercising and taking steps let employees accumulate points that were able to be redeemed for merchandise or charitable donations.

Several health insurance companies and businesses have teamed up to adopt similar programs in an effort to cut down on healthcare costs, incentivizing exercise and activity with lower premiums and other rewards. Fitbit, for example, works with a large number of companies to incorporate activity tracking into corporate wellness programs.

Most of these programs existed before the Apple Watch launched, but the Apple Watch itself has proven to be a highly useful tool that motivates wearers to exercise, and it's possible additional companies could follow in IBM's footsteps in the future.

The Apple Watch encourages users to stand up once per hour, exercise, and burn calories to achieve goals. Many early Apple Watch adopters have said the device has motivated them to make better lifestyle choices, increasing their daily activity. Jim Dalrymple of The Loop, for example, credits HealthKit and the Apple Watch for his weight loss of 40 pounds.

(Thanks, Eric!)

Update: MacRumors has been informed that IBM will continue working with Fitbit for its corporate wellness program. The Apple Watch will not replace the Fitbit in the program and will instead be offered alongside it.

Apple today seeded the first beta of iOS 9.2 to developers for testing purposes, just under a week after the public release of iOS 9.1. iOS 9.1 brought new emoji and several under-the-hood fixes for issues that have plagued users since the launch of iOS 9.

The iOS 9.2 beta is available for download immediately from the Apple Developer Center, and it's likely a public beta will be available in the near future. There's also an Xcode 7.2 beta available.

It is not yet known what changes iOS 9.2 will bring to Apple's newest operating system, iOS 9, but as a major .1 update, iOS 9.2 is likely to introduce new features, performance improvements, and bug fixes. We'll update this post with any changes that are discovered in the beta.

What's new in iOS 9.2
According to the release notes the Safari view window that pops up in some apps will now support third-party Action Extensions. Any Action Extension that works in Safari will also work in SFSafariViewController, allowing it to behave more like the traditional Safari app.

Using the same Hipchat example as above, when tapping the refresh icon at the top, I can now hold down to bring up an option to request desktop site or load content without a content blocker. In iOS 9.1, pressing on the refresh icon does nothing.

Apple updated its Apple Pay participating issuers list today, adding Kohl's as the first U.S. retailer accepting store-branded cards that offer discounts and rewards. The department store chain confirmed on Twitter that iPhone users can make purchases using Kohl's Charge Cards on Apple Pay starting today.

Apple announced at WWDC 2015 that iOS 9 would support rewards and store-issued cards, including those from Kohl's, JCPenney, Walgreens, BJ’s Wholesale Club and several other retailers. Kohl's briefly announced forthcoming Apple Pay support for its Charge Cards private label credit cards last week, which is now live.

Enhanced Mobile Payment Options: Customers can pay easily and quickly with Apple Pay in stores when they add their Kohl’s Charge as a form of payment. In addition, customers will be able to complete purchases across all digital channels with Visa Checkout, which makes it fast and easy to buy gifts for everyone on the list on Kohls.com and mobile devices.

For the first time since the iTunes Store launched in 2003, Apple has added a way for customers to pay for purchases without using a credit, debit or iTunes gift card. Starting with German carrier O2, customers can now link a phone number to their iTunes account and use carrier billing for purchases, per TechCrunch.

Customers without a contract can have purchases debited from a prepaid amount applied to the iPhone.

O2 parent company Telefonica confirmed it is working on carrier billing with Apple:

“Telefónica Germany is working with Apple related to carrier billing,” a spokesperson told us in an email. “Payment via the O2 phone bill is now available for Apple Music, iTunes, App Store and iBooks Store Purchases. The service is gradually being rolled out and will be available for all O2 customers (prepaid and postpaid) in Germany by the beginning of November 2015.”

Apple may be working with carrier billing provider Bango, used by rivals like Amazon:

We have heard on the grapevine, however, that Apple has been talking for a while with Bango, a carrier billing provider, to roll out carrier billing functionality on iTunes.

TechCrunch believes Apple will expand carrier billing to additional markets in the future.

Just a day after debuting three new iPhone 6s ads focused on the iPhone's camera and wireless "Hey Siri" functionality, Apple has shared a new short 15-second ad in the same series, this time focusing on Live Photos.

In the "Half Court" ad, the iPhone 6s is used to capture a half-court shot made by Golden State Warriors guard Stephen Curry, which is then played back again.

The iPhone 6s is here, and the only thing that's changed with the camera is everything. Because now you can shoot amazing Live Photos. Bringing every moment, big or small, to life with just a touch.

Yesterday's longer camera-focused iPhone 6s ad also featured a shot by Stephen Curry and both ads come just ahead of the start of the 2015-2016 NBA Regular season. The two ads may be featured during the Cavaliers/Bulls and Pelicans/Warriors games, set to be broadcast on TNT.

Over the course of the last several weeks, Apple has launched more than five videos to market the iPhone 6s, which have focused on 3D Touch, Siri, and the new camera features in the iPhone 6s and 6s Plus. Apple has also released a number of Apple Watch ads highlighting Apple Music, Apple Pay, Siri, and more.

JPMorgan Chase & Co today announced plans to launch its own payments service to compete with Apple Pay, reports Re/code. The news comes courtesy of Chase CEO of Consumer and Community Banking, Gordon Smith, who announced "Chase Pay" at the Money20/20 payments conference in Las Vegas.

Chase Pay will work via QR code instead of over NFC, allowing customers to make purchases with their smartphones by showing a QR code to a cashier. If that sounds a lot like the MCX Consortium's upcoming CurrentC platform, it's because Chase is partnering up with MCX for its payments service.

The MCX Consortium, which promotes the QR-based CurrentC app and payments service, consists of collection of merchants like Walmart, Target, Sunoco, Kohl's, Best Buy, Rite Aid, CVS, Lowe's, Sears, Shell, Michaels, 7-Eleven, and more. Once available, CurrentC will be available as a payment option in all of these retail locations, as will Chase Pay.

In some of these stores, customers will be able to pay by showing a QR code within the Chase Pay app. In others, Chase customers will have to use Chase Pay inside MCX's own CurrentC app. It's not clear which of the MCX member retailers will support which method.

CurrentC has been in development for multiple years, giving Apple Pay an edge with its earlier release timeline. While most MCX members were originally subjected to an exclusivity agreement, that has since expired, leading several MCX Consortium members to offer support for Apple Pay. Chase itself also supports Apple Pay, allowing Chase credit cards and debit cards to be used with Apple's payments service.

CurrentC and Chase Pay are both slated to launch in 2016.