Yes - Apple is introducing a "Pay in 4" or Buy Now, Pay Later product - similar to paypal's - The idea is that if you are already using Apple Pay and your Apple Wallet, you might just use Apple's pay in 4 instead of using another app (Klarna, PayPal, etc.) - Apple is moving into banking/payments and by sheer nature of their ubiquity, they may drive some companies out of business - I think PayPal will stick around - they offer a range of products and have been a trusted provider - but, newer players may suffer. Thanks for bringing this up - it's a good topic for me to write about.