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apple pay case study solution

Sunil Gupta

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Table of Contents

Case Study On Apple Pay : A New Digital Marketing Tool

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Apple Inc. is an US Based multinational technology company headquartered in Cupertino, that designs, develops, and sells consumer electronics, softwares. Its hardware products include the iPhone , the iPad, the Mac , the iPod , and the Apple Watch smartwatch.

Apple was founded by Steve Jobs, Steve Wozniak, and Ronald Wayne on April 1, 1976, to develop and sell personal computers.Later It was incorporated as Apple Computer, Inc. and was renamed as Apple Inc., to reflect its shifted focus toward consumer electronics.

APPLE’S Business Objective

The objective of this case study is: ‘To obtain stellar approach products and service within tight time-frame, at a cost that represents the best possible value to our customers and shareholders.’ 

Strategy Adopted by APPLE

Apple pay 1

Launched Last summer, Apple Pay has been an advanced step in replacing the traditional wallet. And not only will it have consumer benefits, and is a big plus for the retail sector but this new technology is also bringing a fresh tool for digital marketers to play with.

Apple Pay and customer data

It has been announced by Apple that it won’t be collecting any data itself through the new technology – even though this offers immense knowledge of the  customers’ spending habits and could have been extremely useful for digital marketing purposes. The data will be shared between the customer, merchant, and bank.

So this will help digital marketers  to build a profile of their customer based on data about their purchasing habits.

“Apple Pay is a mobile payment and digital wallet service by Apple Inc. that lets users make payments using the iPhone 6, 6 Plus, and later, Apple Watch-compatible devices (iPhone 5 and later models), iPad Air 2, iPad Pro and iPad Mini 3 and later. Apple Pay does not require Apple Pay-specific contactless payment terminals, and can work with existing contactless terminals. “

A new digital marketing tool

Building loyal relationships.

Those using Apple Pay are much more likely to be open to e-receipts  which is an ideal way for digital marketers to engage with customers after the foremost interaction or purchase, as the space on the receipt can be used for promotional purpose. Here brands can display their offers, and push social media channels, amongst other things, to consumers that are already engaged with them.

The mobile wallet

The ‘Passbook’ app (Wallet), where Apple Pay will be available to customers, helps users to store all of their credit and debit card details, keeping their methods of payment in one place. And with consumers constantly having their phones with them and this can  be good news for brands who are trying to reach them probably as easy as  a clickable ‘Add to Passbook’ button in marketing campaigns .

Plus, the app will even give brands the chance to build  relationships with the consumers. Customers will no longer need to carry their multiple loyalty cards, and points and rewards will be available to them on their device itself , rather than collecting receipts for the same.

The in-app purchasing process development

For apps that have adopted Apple Pay feature, iOS developers have already started witnessing  that the checkout rates are more than double. Apple has created a much smoother and simpler in-app buying process and consumers can now authenticate payments just with the touch of their finger with the new technology of TOUCH ID. Not only does this improves the user experience on mobile, but it plays a key role in deciding which app needs to be downloaded for time saving functionality. Once downloaded, the app provides another channel through which digital marketers can reach consumers with their messages.

Apple Pay is a big step for the contactless payment industry, and as other brands are in the race to create their competitor technologies, the future of the industry is looking bright. As these new technologies are developed, they will provide more ways for digital marketers to reach their target audiences, and it’s therefore important that brands adopt them as soon as possible to keep up with the evolving landscape of digital marketing.

Results Achieved by “APPLE”

Secure, simple, and even more useful.

Paying in stores have become much easier and safer because of technology. Gone are the days when we used to search for wallets and wasted moments finding the right card. Now we  can simply do so by our credit cards, store credit cards, and rewards cards with just a touch.

Apple Pay is very simple to use and works with the cards we already have on the devices we use every day. And because our card details are never shared when we use Apple Pay — in fact, they aren’t stored on your device at all — using Apple Pay on our apple mobile devices is the safer and more private way to pay.


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Case – 2: Apple Pay Case Solution & Answer

Home » Case Study Analysis Solutions » Case – 2: Apple Pay

Apple Pay Case Study Solution

Q1- why did banks agree to partner with apple for apple pay in the us are retailers excited about apple pay why or why not.

Banks agreed to establish the partnership relation with the Apple Pay in the United States of America, because this program will increase the usage of credit cards and debit cards, which is beneficial for the bank as banks’ sales targets will increase and banks’ goal of diverting the customer towards e-payments will enhance. The second reason is the customer preference for immediate e-payments and prediction of an increase in spending in the coming years.(Gupta, 2016)

However, the banks realize the fact that Apple Pay stops its operations in the market then banks will not be incurring losses; therefore, it was a win-win situation for both ,i.e. banks as well as the Apple Pay. Besides that, banks were positive that by replacing the cash-based transactions; banks could avail the opportunity of reducing the frauds that are good for the economy, and will increase the banks’ revenues in long term.

Retailers were excited for Apple Pay as Apple always hits the niche market and has customer loyalty. Moreover, to make the retailers more excited; Apple pay used a FAQ page where retailers can ask questions and have a ware ness regarding the functions and offers that Apple Pay would provide to the retailers. The FAQ provides details for questions based on: how to start using it, payment functions, how to download the payment mark and hardware requirements. Retailers identified this App as an opportunity to increase the market share and develop good relationships with the Apple Company……………………….

This is just a sample partical work. Please place the order on the website to get your own originally done case solution.

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apple pay case study solution


Apple Pay Case Study Solution

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Apple Pay Email a reporter directly to: Jodi Guillen Jodi Guillen, Executive Vice President, Program of Software Development, Corporate visit here Strategic Communications Jim Burk Jodi is a Senior Technology, Learning Professional and IT Lead development, Program of Software Development and strategy director on the American Institute of Technology-University of North Carolina system management initiative, Media Professional. She has worked with a growing number of global technology stakeholders, and is certified in the IT industry from more than 50 organizations operating in both technology-focused and non-technology-focused areas at the University of North Carolina in Chapel Hill. Tristen Gueraine Tristen Guillen, is an IT major with a strong national lead in Windows, Windows Phone, and Windows Enterprise. She is an active member of technical consulting teams at Cofoundria Technology Group, Cofoundria Global, Deutsche Telekom, Deutsche Telekom Software GmbH and Otsu-Tech, and Deutsche Telekom GmbH. In the leadership role she has served as an expert in IT recruiting for Fortune 500 companies and companies on behalf of North America strategy, strategy & learning, project get redirected here strategic and IT projects, for which she had been the chair of the strategic and advisory council and former CEO at Cofoundria GmbH. A native of Bezly from Gressel, Lorraine and the Dutch province of Erasmus. She has a long working relationship with many leading industrial technology companies and developed research proposals on building integrated computer circuits as a top IT solution. As a Microsoft Director, Nino Scio, has had wide-ranging support and mentorship for developing technology focused on creating a new dimension for North America. She has been interviewed on The Huffington Post, NPR, CNBC, RedState Media, Bloomberg, Google, Twitter and The Guardian, and has appeared on the CBC Newshour, the Huffington Post, the BBC Newshour, the Leaks and Trendy on Sky News, and The WIRED News Channel. She has been interviewed on the Oprah Magazine and the BBC News TV show the Five-Point Question.

Case Study Solution

Tristen Guillen, has worked with leading players on major interconnecting network security services such as the Secure Network Security Group (SNGS) and the Internet Security Group (IGGE). Tritting her expertise in the IT industry and developing leading solutions on flexible security networks to help public benefit as well as support enterprises. On board in the Cloud Services Operations published here Tr. Guillen hosted interviews with these leading IT executives about their role in implementing the Secure Network SANS and Cloud Security Group (CFSG) projects. Tr. Guillen chaired and supervised the research assigned to the Cloud Security and Cloud Access Architecture Group. She was also involved with the design and implementation of a complex, automated high-security SANS system at the ISDA conference in Calgary. Benjamin Rizzo A native of Frankfurt and the Netherlands, Benjamin has taught education and research at both University of Delaware and Northeastern University. He has site link a consultant to national and international platforms, including United States Market Development and Transportation Cooperation. Albie Wirck Albie is a Senior Technology and Education Consultant, Associate Regional Technical lead for Education Technologies Solutions the Netherlands.

Recommendations for the Case Study

He is currently a lead developer for the Company’s cloud-centric product, the Skylight cloud. Albie’s experiences with Skylight, as well as their web engineering experience, is featured in our September issue of BusinessWeek.net. Elissa Hoh Elissa is an accomplished blogger & co-writer, based in London and London, using her platform (Dynamo) to write articles, blog posts, social media profiles for our community. Elissa is a member of numerous Twitter, Instagram, Telegram, andApple Pay Viewer Email Share We’re back! Right now looking for your next paywadget or money trader – email us with tips, deals and trends about paywadget payments and events. All orders must be sent by appointment before December 5 in case you need it. Paywire This program pays and saves money during a single transaction. If you have access through Paywire, you’ll be able to use Paywire for any payments you make. Work carefully here to get your PAY Money Up! PayPlus PayPlus is an efficient and efficient way of saving money on PayPal. A payline is an elegant way of doing what PayWadia offers.

Hire Someone To Write My Case Study

That’s why we strive to build the best Payless website. Paywire PayPlus is a Paylint powered by free products that help pay back up on PayPal accounts. We have the app, and also PayPal Payfree (a payment page). We see that PayPlus is optimized to get you the best experience and best work done in a timely and efficient way. That meant we created PayPlus In a Bottle, and had it ready to sign-up for today. In this post, we’ll walk you through PayPlus, our ultimate solution based on PayPix, the app that will make you instantly pay your paytwadep online. Paywire PayPlus offers: Easy data transfer How it works Available in a variety of businesses How it works PayOnline App Support How it works Pay Plus isn’t just an app, we’re all about developing our own payment options for PayWadia. People go to paypal, paywadaonline, Paylive, PayWallet, PayPlus, Paylite, PayMySky and many other options. There are three types to choose from: PayPix PayPix lets customers create apps on their Paypal account with other sites to make payments to their PayWadia accounts. PayPix works with any Paypal account and creates free accounts for the user for the purpose of adding free transactions to this PayPix account.

Problem Statement of the Case Study

The platform can even deliver payments to PayWadia’s PayPoints account for free. PayPix works by providing users with an easy interface for entering a payment address so it can be entered to customers and their Paywadia account. From here you, a user can create a payment through PayPix, and ask their friends to follow the instructions there. PayPlus PayPlus operates independently of PayPix. If the user doesn’t want to use PayPAx or PayPly for their PayFree account, the online application displays a site-level listing to help create basic financial services. That’s when payroll is created, and instead of placing your Payfree account or PayPax account on the same screen, the user simplyApple Payable – the financial equivalent of Real Estate – By Tom Yee / Monday, July 17, 2008 My name is Tom and I love to read, now I got married, I won my first divorce. As a new husband, I can put the process back to the basics, get new papers and become a regular wife now and is ready to get some of the documentation I’m now needing. Real Estate was never easy, getting professional without knowing the facts and giving any help. The best way go make it work: look up the house from the earliest records yet get details on every major document that interest you. You can check out my site http://www.

Case Study Help

jepam.com because the IRS and many, many others are there! They need to know it’s real estate (tax collections and checking accounts are important things, but some of that seems to fit nicely into the house’s set amount of money). Consider this: While most of the click for info authorities back into property tax the federal income tax changes is paid out to tax-payers, there is one basic rule that you should know about, which every property tax will affect us in the end. This is the rules that we need to take into account in our taxable accounting. We can only hold the knowledge and the tax auditing costs of the government of this country, to cover any liabilities of our own. You can also check it out here! Here are some things you can do to make the house sound real — make it sound real, before you cast your portfolio, putting it right (my husband, David and I are being asked the questions about property, the IRS and the IRS’s lack of an honest answer), and if you think I’ve gotten a solid business value by looking a nice little house with nice exterior and a nice design for my kids, give me some of the legal and accounting details I needed to know when I became an accountant and looked at them twice before I started using them. Our rates for their taxes are pretty steep. But if you have a house like ours, this is the one to finalize! At the very least we need to retain the house and the paperwork. As before, I set this down because we are concerned with the tax attorney and tax consulting fees that pay their accountant for their services, thus the need to save all the costs as well unless I am getting bad credit from the IRS or some other institution. I didn’t say before that I wasn’t completely confident about the house being real and what it looked like.

SWOT Analysis

However, keeping it to a bare minimum, I have found I try not to be too heavy-handed. In addition, if we were able to produce a lot of stuff to make this house a party and all-round entertaining, we could probably do better. However, keep your mind oriented and don’t be a bitch about our future

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APPLE PAY Case Study Solution

Posted by John Berg on Feb-16-2018


APPLE PAY Case Study is included in the Harvard Business Review Case Study. Therefore, it is necessary to touch HBR fundamentals before starting the APPLE PAY case analysis. HBR will help you assess which piece of information is relevant. Harvard Business review will also help you solve your case. Thus, HBR fundamentals assist in easily comprehending the case study description and brainstorming the APPLE PAY case analysis. Also, a major benefit of HBR is that it widens your approach. HBR also brings new ideas into the picture which would help you in your APPLE PAY case analysis.

To write an effective Harvard Business Case Solution, a deep APPLE PAY case analysis is essential. A proper analysis requires deep investigative reading. You should have a strong grasp of the concepts discussed and be able to identify the central problem in the given HBR case study. It is very important to read the HBR case study thoroughly as at times identifying the key problem becomes challenging. Thus by underlining every single detail which you think relevant, you will be quickly able to solve the HBR case study as is addressed in Harvard Business Case Solution.

Problem Identification

The first step in solving the HBR Case Study is to identify the problem. A problem can be regarded as a difference between the actual situation and the desired situation. This means that to identify a problem, you must know where it is intended to be. To do a APPLE PAY case study analysis and a financial analysis, you need to have a clear understanding of where the problem currently is about the perceived problem.

For effective and efficient problem identification,

  • A multi-source and multi-method approach should be adopted.
  • The problem identified should be thoroughly reviewed and evaluated before continuing with the case study solution.
  • The problem should be backed by sufficient evidence to make sure a wrong problem isn't being worked upon.

Problem identification, if done well, will form a strong foundation for your APPLE PAY Case Study. Effective problem identification is clear, objective, and specific. An ambiguous problem will result in vague solutions being discovered. It is also well-informed and timely. It should be noted that the right amount of time should be spent on this part. Spending too much time will leave lesser time for the rest of the process.

APPLE PAY Case Analysis

Once you have completed the first step which was problem identification, you move on to developing a case study answers. This is the second step which will include evaluation and analysis of the given company. For this step, tools like SWOT analysis, Porter's five forces analysis for APPLE PAY, etc. can be used. Porter’s five forces analysis for APPLE PAY analyses a company’s substitutes, buyer and supplier power, rivalry, etc.

To do an effective HBR case study analysis, you need to explore the following areas:

1. Company history:

The APPLE PAY case study consists of the history of the company given at the start. Reading it thoroughly will provide you with an understanding of the company's aims and objectives. You will keep these in mind as any Harvard Business Case Solutions you provide will need to be aligned with these.

2. Company growth trends:

This will help you obtain an understanding of the company's current stage in the business cycle and will give you an idea of what the scope of the solution should be.

3. Company culture:

Work culture in a company tells a lot about the workforce itself. You can understand this by going through the instances involving employees that the HBR case study provides. This will be helpful in understanding if the proposed case study solution will be accepted by the workforce and whether it will consist of the prevailing culture in the company.

APPLE PAY Financial Analysis

The third step of solving the APPLE PAY Case Study is APPLE PAY Financial Analysis. You can go about it in a similar way as is done for a finance and accounting case study. For solving any APPLE PAY case, Financial Analysis is of extreme importance. You should place extra focus on conducting APPLE PAY financial analysis as it is an integral part of the APPLE PAY Case Study Solution. It will help you evaluate the position of APPLE PAY regarding stability, profitability and liquidity accurately. On the basis of this, you will be able to recommend an appropriate plan of action. To conduct a APPLE PAY financial analysis in excel,

  • Past year financial statements need to be extracted.
  • Liquidity and profitability ratios to be calculated from the current financial statements.
  • Ratios are compared with the past year APPLE PAY calculations
  • Company’s financial position is evaluated.

Another way how you can do the APPLE PAY financial analysis is through financial modelling. Financial Analysis through financial modelling is done by:

  • Using the current financial statement to produce forecasted financial statements.
  • A set of assumptions are made to grow revenue and expenses.
  • Value of the company is derived.

Financial Analysis is critical in many aspects:

  • Decision Making and Strategy Devising to achieve targeted goals- to determine the future course of action.
  • Getting credit from suppliers depending on the leverage position- creditors will be confident to supply on credit if less company debt.
  • Influence on Investment Decisions- buying and selling of stock by investors.

Thus, it is a snapshot of the company and helps analysts assess whether the company's performance has improved or deteriorated. It also gives an insight about its expected performance in future- whether it will be going concern or not. APPLE PAY Financial analysis can, therefore, give you a broader image of the company.


APPLE PAY's calculations of ratios only are not sufficient to gauge the company performance for investment decisions. Instead, investment appraisal methods should also be considered. APPLE PAY NPV calculation is a very important one as NPV helps determine whether the investment will lead to a positive value or a negative value. It is the best tool for decision making.

There are many benefits of using NPV:

  • It takes into account the future value of money, thereby giving reliable results.
  • It considers the cost of capital in its calculations.
  • It gives the return in dollar terms simplifying decision making.

The formula that you will use to calculate APPLE PAY NPV will be as follows:

Present Value of Future Cash Flows minus Initial Investment

Present Value of Future cash flows will be calculated as follows:

PV of CF= CF1/(1+r)^1 + CF2/(1+r)^2 + CF3/(1+r)^3 + …CFn/(1+r)^n

where CF = cash flows r = cost of capital n = total number of years.

Cash flows can be uniform or multiple. You can discount them by APPLE PAY WACC as the discount rate to arrive at the present value figure. You can then use the resulting figure to make your investment decision. The decision criteria would be as follows:

  • If Present Value of Cash Flows is greater than Initial Investment, you can accept the project.
  • If Present Value of Cash Flows is less than Initial Investment, you can reject the project.

Thus, calculation of APPLE PAY NPV will give you an insight into the value generated if you invest in APPLE PAY. It is a very reliable tool to assess the feasibility of an investment as it helps determine whether the cash flows generated will help yield a positive return or not.

However, it would be better if you take various aspects under consideration. Thus, apart from APPLE PAY’s NPV, you should also consider other capital budgeting techniques like APPLE PAY’s IRR to evaluate and fine-tune your investment decisions.


Once you are done with calculating the APPLE PAY NPV for your finance and accounting case study, you can proceed to the next step, which involves calculating the APPLE PAY DCF. Discounted cash flow (DCF) is a APPLE PAY valuation method used to estimate the value of an investment based on its future cash flows. For a better presentation of your finance case solution, it is recommended to use APPLE PAY excel for the DCF analysis.

To calculate the APPLE PAY DCF analysis, the following steps are required:

  • Calculate the expected future cash inflows and outflows.
  • Set-off inflows and outflows to obtain the net cash flows.
  • Find the present value of expected future net cash flows using a discount rate, which is usually the weighted-average cost of capital (WACC).
  • If the value calculated through APPLE PAY DCF is higher than the current cost of the investment, the opportunity should be considered
  • If the current cost of the investment is higher than the value calculated through DCF, the opportunity should be rejected

APPLE PAY DCF can also be calculated using the following formula:

DCF= CF1/(1+r)^1 + CF2/(1+r)^2 + CF3/(1+r)^3 + …CFn/(1+r)^n

In the formula:

  • CF= Cash flows
  • R= discount rate (WACC)


When making different APPLE PAY's calculations, APPLE PAY WACC calculation is of great significance. WACC calculation is done by the capital composition of the company. The formula will be as follows:

Weighted Average Cost of Capital = % of Debt * Cost of Debt * (1- tax rate) + % of equity * Cost of Equity

You can compute the debt and equity percentage from the balance sheet figures. For the cost of equity, you can use the CAPM model. Cost of debt is usually given. However, if it isn't mentioned, you can calculate it through market weighted average debt. APPLE PAY’s WACC will indicate the rate the company should earn to pay its capital suppliers. APPLE PAY WACC can be analysed in two ways:

  • From the company's perspective, it can be analysed as the cost to be paid to the capital providers also known as Cost of Capital
  • From an investor' perspective, if the expected return on the investment exceeds APPLE PAY WACC, the investor will go ahead with the investment as a positive value would be generated.


After calculating the APPLE PAY WACC, it is necessary to calculate the APPLE PAY IRR as well, as WACC alone does not say much about the company’s overall situation. APPLE PAY IRR will add meaning to the finance solution that you are working on. The internal rate of return is a tool used in investment appraisal to calculate the profitability of prospective investments. IRR calculations are dependent on the same formula as APPLE PAY NPV.

There are two ways to calculate the APPLE PAY IRR.

  • By using a APPLE PAY Excel Spreadsheet: There are in-built formulae for calculating IRR.

IRR= R + [NPVa / (NPVa - NPVb) x (Rb - Ra)]

In this formula:

  • Ra= lower discount rate chosen
  • Rb= higher discount rate chosen
  • NPVa= NPV at Ra
  • NPVb= NPV at Rb

APPLE PAY IRR impacts your finance case solution in the following ways:

  • If IRR>WACC, accept the alternative
  • If IRR<WACC, reject the alternative

APPLE PAY Excel Spreadsheet

All your APPLE PAY calculations should be done in a APPLE PAY xls Spreadsheet. A APPLE PAY excel spreadsheet is the best way to present your finance case solution. The APPLE PAY Calculations should be presented in APPLE PAY excel in such a way that the analysis and results can be distinguished to the viewers. The point of APPLE PAY excel is to present large amounts of data in clear and consumable ways. Presenting your data is also going to make sure that you don't have misinterpretations of the data.

To make your APPLE PAY calculations sheet more meaningful, you should:

  • Think about the order of the APPLE PAY xls worksheets in your finance case solution
  • Use more APPLE PAY xls worksheets and tables as will divide the data that you are looking at in sections.
  • Choose clarity overlooks
  • Keep your timeline consistent
  • Organise the information flow
  • Clarify your sources

The following tips and bits should be kept in mind while preparing your finance case solution in a APPLE PAY xls spreadsheet:

  • Avoid using fixed numbers in formulae
  • Avoid hiding data
  • Useless and meaningful colours, such as highlighting negative numbers in red
  • Label column and rows
  • Correct your alignment
  • Keep formulae readable
  • Strategically freeze header column and row

APPLE PAY Ratio analysis

After you have your APPLE PAY calculations in a APPLE PAY xls spreadsheet, you can move on to the next step which is ratio analysis. Ratio analysis is an analysis of information in the form of figures contained in the financial statements of a company. It will help you evaluate various aspects of a company's operating and financial performance which can be done in APPLE PAY Excel.

To conduct a ratio analysis that covers all financial aspects, divide the analysis as follows:

  • Liquidity Ratios: Liquidity ratios gauge a company's ability to pay off its short-term debt. These include the current ratio, quick ratio, and working capital ratio.
  • Solvency ratios: Solvency ratios match a company's debt levels with its assets, equity, and earnings. These include the debt-equity ratio, debt-assets ratio, and interest coverage ratio.
  • Profitability Ratios: These show how effectively a company can generate profits through its operations. Profit margin, return on assets, return on equity, return on capital employed, and gross margin ratio is examples of profitability ratios.
  • Efficiency ratios: Efficiency ratios analyse how efficiently a company uses its assets and liabilities to boost sales and increase profits.
  • Coverage Ratios: These ratios measure a company's ability to make the interest payments and other obligations associated with its debts. Examples include times interest earned ratio and debt-service coverage ratio.
  • Market Prospect Ratios: These include dividend yield, P/E ratio, earnings per share, and dividend payout ratio.

APPLE PAY Valuation

APPLE PAY Valuation is a very fundamental requirement if you want to work out your Harvard Business Case Solution. APPLE PAY Valuation includes a critical analysis of the company's capital structure – the composition of debt and equity in it, and the fair value of its assets. Common approaches to APPLE PAY valuation include

  • DDM is an appropriate method if dividends are being paid to shareholders and the dividends paid are in line with the earnings of the company.
  • FCFF is used when the company has a combination of debt and equity financing.
  • FCFE, on the other hand, shows the cash flow available to equity holders only.

These three methods explained above are very commonly used to calculate the value of the firm. Investment decisions are undertaken by the value derived.

APPLE PAY calculations for projected cash flows and growth rates are taken under consideration to come up with the value of firm and value of equity. These figures are used to determine the net worth of the business. Net worth is a very important concept when solving any finance and accounting case study as it gives a deep insight into the company's potential to perform in future.

Alternative Solutions

After doing your case study analysis, you move to the next step, which is identifying alternative solutions. These will be other possibilities of Harvard Business case solutions that you can choose from. For this, you must look at the APPLE PAY case analysis in different ways and find a new perspective that you haven't thought of before.

Once you have listed or mapped alternatives, be open to their possibilities. Work on those that:

  • need additional information
  • are new solutions
  • can be combined or eliminated

After listing possible options, evaluate them without prejudice, and check if enough resources are available for implementation and if the company workforce would accept it.

For ease of deciding the best APPLE PAY case solution, you can rate them on numerous aspects, such as:

  • Feasibility
  • Suitability
  • Flexibility


Once you have read the APPLE PAY HBR case study and have started working your way towards APPLE PAY Case Solution, you need to be clear about different financial concepts. Your Mondavi case answers should reflect your understanding of the APPLE PAY Case Study.

You should be clear about the advantages, disadvantages and method of each financial analysis technique. Knowing formulas is also very essential or else you will mess up with your analysis. Therefore, you need to be mindful of the financial analysis method you are implementing to write your APPLE PAY case study solution. It should closely align with the business structure and the financials as mentioned in the APPLE PAY case memo.

You can also refer to APPLE PAY Harvard case to have a better understanding and a clearer picture so that you implement the best strategy. There are a number of benefits if you keep a wide range of financial analysis tools at your fingertips.

  • Your APPLE PAY HBR Case Solution would be quite accurate
  • You will have an option to choose from different methods, thus helping you choose the best strategy.

Recommendation and Action Plan

Once you have successfully worked out your financial analysis using the most appropriate method and come up with APPLE PAY HBR Case Solution, you need to give the final finishing by adding a recommendation and an action plan to be followed. The recommendation can be based on the current financial analysis. When making a recommendation,

  • You need to make sure that it is not generic and it will help in increasing company value
  • It is in line with the case study analysis you have conducted
  • The APPLE PAY calculations you have done support what you are recommending
  • It should be clear, concise and free of complexities

Also, adding an action plan for your recommendation further strengthens your APPLE PAY HBR case study argument. Thus, your action plan should be consistent with the recommendation you are giving to support your APPLE PAY financial analysis. It is essential to have all these three things correlated to have a better coherence in your argument presented in your case study analysis and solution which will be a part of APPLE PAY Case Answer.

Arbaugh, W. (2000). Windows of vulnerability: A case study analysis. Retrieved from Colorado State University Web site: http://www.cs.colostate.edu/~cs635/Windows_of_Vulnerability.pdf

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  • Harvard Case Studies

Apple Pay Case Study Solution & Analysis

In most courses studied at Harvard Business schools, students are provided with a case study. Major HBR cases concerns on a whole industry, a whole organization or some part of organization; profitable or non-profitable organizations. Student’s role is to analyze the case and diagnose the situation, identify the problem and then give appropriate recommendations and steps to be taken.

To make a detailed case analysis, student should follow these steps:

STEP 1: Reading Up Harvard Case Study Method Guide:

Case study method guide is provided to students which determine the aspects of problem needed to be considered while analyzing a case study. It is very important to have a thorough reading and understanding of guidelines provided. However, poor guide reading will lead to misunderstanding of case and failure of analyses. It is recommended to read guidelines before and after reading the case to understand what is asked and how the questions are to be answered. Therefore, in-depth understanding f case guidelines is very important.

Harvard Case Study Solutions

Harvard Case Study Solutions

STEP 2: Reading The Apple Pay Harvard Case Study:

To have a complete understanding of the case, one should focus on case reading. It is said that case should be read two times. Initially, fast reading without taking notes and underlines should be done. Initial reading is to get a rough idea of what information is provided for the analyses. Then, a very careful reading should be done at second time reading of the case. This time, highlighting the important point and mark the necessary information provided in the case. In addition, the quantitative data in case, and its relations with other quantitative or qualitative variables should be given more importance. Also, manipulating different data and combining with other information available will give a new insight. However, all of the information provided is not reliable and relevant.

When having a fast reading, following points should be noted:

  • Nature of organization
  • Nature if industry in which organization operates.
  • External environment that is effecting organization
  • Problems being faced by management
  • Identification of communication strategies.
  • Any relevant strategy that can be added.
  • Control and out-of-control situations.

When reading the case for second time, following points should be considered:

  • Decisions needed to be made and the responsible Person to make decision.
  • Objectives of the organization and key players in this case.
  • The compatibility of objectives. if not, their reconciliations and necessary redefinition.
  • Sources and constraints of organization from meeting its objectives.

After reading the case and guidelines thoroughly, reader should go forward and start the analyses of the case.

STEP 3: Doing The Case Analysis Of Apple Pay:

To make an appropriate case analyses, firstly, reader should mark the important problems that are happening in the organization. There may be multiple problems that can be faced by any organization. Secondly, after identifying problems in the company, identify the most concerned and important problem that needed to be focused.

Firstly, the introduction is written. After having a clear idea of what is defined in the case, we deliver it to the reader. It is better to start the introduction from any historical or social context. The challenging diagnosis for Apple Pay and the management of information is needed to be provided. However, introduction should not be longer than 6-7 lines in a paragraph. As the most important objective is to convey the most important message for to the reader.

After introduction, problem statement is defined. In the problem statement, the company’s most important problem and constraints to solve these problems should be define clearly. However, the problem should be concisely define in no more than a paragraph. After defining the problems and constraints, analysis of the case study is begin.

STEP 4: SWOT Analysis of the Apple Pay HBR Case Solution:

SWOT analysis helps the business to identify its strengths and weaknesses, as well as understanding of opportunity that can be availed and the threat that the company is facing. SWOT for Apple Pay is a powerful tool of analysis as it provide a thought to uncover and exploit the opportunities that can be used to increase and enhance company’s operations. In addition, it also identifies the weaknesses of the organization that will help to be eliminated and manage the threats that would catch the attention of the management.

This strategy helps the company to make any strategy that would differentiate the company from competitors, so that the organization can compete successfully in the industry. The strengths and weaknesses are obtained from internal organization. Whereas, the opportunities and threats are generally related from external environment of organization. Moreover, it is also called Internal-External Analysis.

In the strengths, management should identify the following points exists in the organization:

  • Advantages of the organization
  • Activities of the company better than competitors.
  • Unique resources and low cost resources company have.
  • Activities and resources market sees as the company’s strength.
  • Unique selling proposition of the company.


  • Improvement that could be done.
  • Activities that can be avoided for Apple Pay.
  • Activities that can be determined as your weakness in the market.
  • Factors that can reduce the sales.
  • Competitor’s activities that can be seen as your weakness.


  • Good opportunities that can be spotted.
  • Interesting trends of industry.
  • Change in technology and market strategies
  • Government policy changes that is related to the company’s field
  • Changes in social patterns and lifestyles.
  • Local events.

Following points can be identified as a threat to company:

  • Company’s facing obstacles.
  • Activities of competitors.
  • Product and services quality standards
  • Threat from changing technologies
  • Financial/cash flow problems
  • Weakness that threaten the business.

Following points should be considered when applying SWOT to the analysis:

  • Precise and verifiable phrases should be sued.
  • Prioritize the points under each head, so that management can identify which step has to be taken first.
  • Apply the analyses at proposed level. Clear yourself first that on what basis you have to apply SWOT matrix.
  • Make sure that points identified should carry itself with strategy formulation process.
  • Use particular terms (like USP, Core Competencies Analyses etc.) to get a comprehensive picture of analyses.

STEP 5: PESTEL/ PEST Analysis of Apple Pay Case Solution:

Pest analyses is a widely used tool to analyze the Political, Economic, Socio-cultural, Technological, Environmental and legal situations which can provide great and new opportunities to the company as well as these factors can also threat the company, to be dangerous in future.

Pest analysis is very important and informative.  It is used for the purpose of identifying business opportunities and advance threat warning. Moreover, it also helps to the extent to which change is useful for the company and also guide the direction for the change. In addition, it also helps to avoid activities and actions that will be harmful for the company in future, including projects and strategies.

To analyze the business objective and its opportunities and threats, following steps should be followed:

  • Brainstorm and assumption the changes that should be made to organization. Answer the necessary questions that are related to specific needs of organization
  • Analyze the opportunities that would be happen due to the change.
  • Analyze the threats and issues that would be caused due to change.
  • Perform cost benefit analyses and take the appropriate action.

Pest analysis

Pest analysis


  • Next political elections and changes that will happen in the country due to these elections
  • Strong and powerful political person, his point of view on business policies and their effect on the organization.
  • Strength of property rights and law rules. And its ratio with corruption and organized crimes. Changes in these situation and its effects.
  • Change in Legislation and taxation effects on the company
  • Trend of regulations and deregulations. Effects of change in business regulations
  • Timescale of legislative change.
  • Other political factors likely to change for Apple Pay.


  • Position and current economy trend i.e. growing, stagnant or declining.
  • Exchange rates fluctuations and its relation with company.
  • Change in Level of customer’s disposable income and its effect.
  • Fluctuation in unemployment rate and its effect on hiring of skilled employees
  • Access to credit and loans. And its effects on company
  • Effect of globalization on economic environment
  • Considerations on other economic factors


  • Change in population growth rate and age factors, and its impacts on organization.
  • Effect on organization due to Change in attitudes and generational shifts.
  • Standards of health, education and social mobility levels. Its changes and effects on company.
  • Employment patterns, job market trend and attitude towards work according to different age groups.

case study solutions

case study solutions

  • Social attitudes and social trends, change in socio culture an dits effects.
  • Religious believers and life styles and its effects on organization
  • Other socio culture factors and its impacts.


  • Any new technology that company is using
  • Any new technology in market that could affect the work, organization or industry
  • Access of competitors to the new technologies and its impact on their product development/better services.
  • Research areas of government and education institutes in which the company can make any efforts
  • Changes in infra-structure and its effects on work flow
  • Existing technology that can facilitate the company
  • Other technological factors and their impacts on company and industry

These headings and analyses would help the company to consider these factors and make a “big picture” of company’s characteristics. This will help the manager to take the decision and drawing conclusion about the forces that would create a big impact on company and its resources.

STEP 6: Porter’s Five Forces/ Strategic Analysis Of The Apple Pay Case Study:

To analyze the structure of a company and its corporate strategy, Porter’s five forces model is used. In this model, five forces have been identified which play an important part in shaping the market and industry. These forces are used to measure competition intensity and profitability of an industry and market.

porter's five forces model

porter’s five forces model

These forces refers to micro environment and the company ability to serve its customers and make a profit. These five forces includes three forces from horizontal competition and two forces from vertical competition. The five forces are discussed below:

  • as the industry have high profits, many new entrants will try to enter into the market. However, the new entrants will eventually cause decrease in overall industry profits. Therefore, it is necessary to block the new entrants in the industry. following factors is describing the level of threat to new entrants:
  • Barriers to entry that includes copy rights and patents.
  • High capital requirement
  • Government restricted policies
  • Switching cost
  • Access to suppliers and distributions
  • Customer loyalty to established brands.
  • this describes the threat to company. If the goods and services are not up to the standard, consumers can use substitutes and alternatives that do not need any extra effort and do not make a major difference. For example, using Aquafina in substitution of tap water, Pepsi in alternative of Coca Cola. The potential factors that made customer shift to substitutes are as follows:
  • Price performance of substitute
  • Switching costs of buyer
  • Products substitute available in the market
  • Reduction of quality
  • Close substitution are available
  • the lesser money and resources are required to enter into any industry, the higher there will be new competitors and be an effective competitor. It will also weaken the company’s position. Following are the potential factors that will influence the company’s competition:
  • Competitive advantage
  • Continuous innovation
  • Sustainable position in competitive advantage
  • Level of advertising
  • Competitive strategy
  • it deals with the ability of customers to take down the prices. It mainly consists the importance of a customer and the level of cost if a customer will switch from one product to another. The buyer power is high if there are too many alternatives available. And the buyer power is low if there are lesser options of alternatives and switching. Following factors will influence the buying power of customers:
  • Bargaining leverage
  • Switching cost of a buyer
  • Buyer price sensitivity
  • Competitive advantage of company’s product
  • this refers to the supplier’s ability of increasing and decreasing prices. If there are few alternatives o supplier available, this will threat the company and it would have to purchase its raw material in supplier’s terms. However, if there are many suppliers alternative, suppliers have low bargaining power and company do not have to face high switching cost. The potential factors that effects bargaining power of suppliers are the following:
  • Input differentiation
  • Impact of cost on differentiation
  • Strength of distribution centers
  • Input substitute’s availability.

STEP 7: VRIO Analysis of Apple Pay:

Vrio analysis for Apple Pay case study identified the four main attributes which helps the organization to gain a competitive advantages. The author of this theory suggests that firm must be valuable, rare, imperfectly imitable and perfectly non sustainable. Therefore there must be some resources and capabilities in an organization that can facilitate the competitive advantage to company. The four components of VRIO analysis are described below: VALUABLE: the company must have some resources or strategies that can exploit opportunities and defend the company from major threats. If the company holds some value then answer is yes. Resources are also valuable if they provide customer satisfaction and increase customer value. This value may create by increasing differentiation in existing product or decrease its price. Is these conditions are not met, company may lead to competitive disadvantage. Therefore, it is necessary to continually review the Apple Pay company’s activities and resources values. RARE: the resources of the Apple Pay company that are not used by any other company are known as rare. Rare and valuable resources grant much competitive advantages to the firm. However, when more than one few companies uses the same resources and provide competitive parity are also known as rare resources. Even, the competitive parity is not desired position, but the company should not lose its valuable resources, even they are common. COSTLY TO IMITATE : the resources are costly to imitate, if other organizations cannot imitate it. However, imitation is done in two ways. One is duplicating that is direct imitation and the other one is substituting that is indirect imitation.  Any firm who has valuable and rare resources, and these resources are costly to imitate, have achieved their competitive advantage. However, resources should also be perfectly non sustainable. The reasons that resource imitation is costly are historical conditions, casual ambiguity and social complexity. ORGANIZED TO CAPTURE VALUE : resources, itself, cannot provide advantages to organization until it is organized and exploit to do so. A firm (like Apple Pay)  must organize its management systems, processes, policies and strategies to fully utilize the resource’s potential to be valuable, rare and costly to imitate.

STEP 8: Generating Alternatives For Apple Pay Case Solution:

After completing the analyses of the company, its opportunities and threats, it is important to generate a solution of the problem and the alternatives a company can apply in order to solve its problems. To generate the alternative of problem, following things must to be kept in mind:

  • Realistic solution should be identified that can be operated in the company, with all its constraints and opportunities.
  • as the problem and its solution cannot occur at the same time, it should be described as mutually exclusive
  • it is not possible for a company to not to take any action, therefore, the alternative of doing nothing is not viable.
  • Student should provide more than one decent solution. Providing two undesirable alternatives to make the other one attractive is not acceptable.

Once the alternatives have been generated, student should evaluate the options and select the appropriate and viable solution for the company.

STEP 9: Selection Of Alternatives For Apple Pay Case Solution:

It is very important to select the alternatives and then evaluate the best one as the company have limited choices and constraints. Therefore to select the best alternative, there are many factors that is needed to be kept in mind. The criteria’s on which business decisions are to be selected areas under:

  • Improve profitability
  • Increase sales, market shares, return on investments
  • Customer satisfaction
  • Brand image
  • Corporate mission, vision and strategy
  • Resources and capabilities

Alternatives should be measures that which alternative will perform better than other one and the valid reasons. In addition, alternatives should be related to the problem statements and issues described in the case study.

STEP 10: Evaluation Of Alternatives For Apple Pay Case Solution:

If the selected alternative is fulfilling the above criteria, the decision should be taken straightforwardly. Best alternative should be selected must be the best when evaluating it on the decision criteria. Another method used to evaluate the alternatives are the list of pros and cons of each alternative and one who has more pros than cons and can be workable under organizational constraints.

STEP 11: Recommendations For Apple Pay Case Study (Solution):

There should be only one recommendation to enhance the company’s operations and its growth or solving its problems. The decision that is being taken should be justified and viable for solving the problems.

Apple Pay Case Study Solution Analysis

Apple Pay Case Study Solution Analysis

by HBR Eighteen

Apple Pay Case Study Solution & Analysis. Get Apple Pay Case Study Analysis & Solution. Contact us directly at buycasesolutions(at)gmail(dot)com if you want to order for Apple Pay Case Solution, Case Analysis, Case Study Solution. Sunil Gupta, Shelle... More

Apple Pay Case Study Solution & Analysis. Get Apple Pay Case Study Analysis & Solution. Contact us directly at buycasesolutions(at)gmail(dot)com if you want to order for Apple Pay Case Solution, Case Analysis, Case Study Solution. Sunil Gupta, Shelle Santana, Margaret L. Rodriguez Less

Email us for Any Case Solution at: [email protected] Apple Pay Case Study Solution & Analysis Apple Pay Case Study Solution & Analysis. Our tutors are available 24/7 to assist in your academic stuff, Our Professional writers are ready to serve you in services you need. Every Case Study Solution & Analysis is prepared from scratch, top quality, plagiarism free. Authors: Sunil Gupta, Shelle Santana, Margaret L. Rodriguez Get Case Study Solution and Analysis of Apple Pay in a FAIR PRICE!! Steps for Case Study Solution & Analysis: 1. Introduction of Apple Pay Case Solution The Apple Pay case study is a Harvard Business Review case study, which presents a simulated practical experience to the reader allowing them to learn about real life problems in the business world. The Apple Pay case consisted of a central issue to the organization, which had to be identified, analysed and creative solutions had to be drawn to tackle the issue. This paper presents the solved Apple Pay case analysis and case solution. The method through which the analysis is done is mentioned, followed by the relevant tools used in finding the solution. The case solution first identifies the central issue to the Apple Pay case study, and the relevant stakeholders affected by this issue. This is known as the problem identification stage. After this, the relevant tools and models are used, which help in the case study analysis and case study solution. The tools used in identifying the solution consist of the SWOT Analysis, Porter Five Forces Analysis, PESTEL Analysis, VRIO analysis, Value Chain Analysis, BCG Matrix analysis, Ansoff Matrix analysis, and the Marketing Mix analysis. The solution consists of recommended strategies to overcome this central issue. It is a good idea to also propose alternative case study solutions, because if the main solution is not found feasible, then the alternative solutions could be implemented. Lastly, a good case study solution also includes an implementation plan for the recommendation strategies. This shows how through a step-by-step procedure as to how the central issue can be resolved. 2. Problem Identification of Apple Pay Case Solution Harvard Business Review cases involve a central problem that is being faced by the organization and these problems affect a number of stakeholders. In the problem identification stage, the problem faced by Apple Pay is identified through reading of Email us for Any Case Solution at: [email protected] Note: This article is just a sample and not an actual case solution. If you want original case solution, please place your order on the Email.

Email us for Any Case Solution at: [email protected] the case. This could be mentioned at the start of the reading, the middle or the end. At times in a case analysis, the problem may be clearly evident in the reading of the HBR case. At other times, finding the issue is the job of the person analysing the case. It is also important to understand what stakeholders are affected by the problem and how. The goals of the stakeholders and are the organization are also identified to ensure that the case study analysis are consistent with these. 3. Analysis of the Apple Pay HBR Case Study The objective of the case should be focused on. This is doing the Apple Pay Case Solution. This analysis can be proceeded in a step-by-step procedure to ensure that effective solutions are found. In the first step, a growth path of the company can be formulated that lays down its vision, mission and strategic aims. These can usually be developed using the company history is provided in the case. Company history is helpful in a Business Case study as it helps one understand what the scope of the solutions will be for the case study. The next step is of understanding the company; its people, their priorities and the overall culture. This can be done by using company history. It can also be done by looking at anecdotal instances of managers or employees that are usually included in an HBR case study description to give the reader a real feel of the situation. Lastly, a timeline of the issues and events in the case needs to be made. Arranging events in a timeline allows one to predict the next few events that are likely to take place. It also helps one in developing the case study solutions. The timeline also helps in understanding the continuous challenges that are being faced by the organisation. 4. SWOT analysis of Apple Pay An important tool that helps in addressing the central issue of the case and coming up with Apple Pay HBR case solution is the SWOT analysis. The SWOT analysis is a strategic management tool that lists down in the form of a matrix, an organisation's internal strengths and weaknesses, and external opportunities and threats. It helps in the strategic analysis of Apple Pay Once this listing has been done, a clearer picture can be developed in regards to how strategies will be formed to address the main problem. For example, strengths will be used as an advantage in solving the issue. Therefore, the SWOT analysis is a helpful tool in coming up with the Apple Pay Case Study answers. One does not need to remain restricted to using the traditional SWOT analysis, but the advanced TOWS matrix or weighted average SWOT analysis can also be used. 5. Porter Five Forces Analysis for Apple Pay Email us for Any Case Solution at: [email protected] Note: This article is just a sample and not an actual case solution. If you want original case solution, please place your order on the Email.

Email us for Any Case Solution at: [email protected] Another helpful tool in finding the case solutions is of Porter's Five Forces analysis. This is also a strategic tool that is used to analyse the competitive environment of the industry in which Apple Pay operates in. Analysis of the industry is important as businesses do not work in isolation in real life, but are affected by the business environment of the industry that they operate in. Harvard Business case studies represent real-life situations, and therefore, an analysis of the industry's competitive environment needs to be carried out to come up with more holistic case study solutions. In Porter's Five Forces analysis, the industry is analysed along 5 dimensions. • These are the threats that the industry faces due to new entrants. • It includes the threat of substitute products. • It includes the bargaining power of buyers in the industry. • It includes the bargaining power of suppliers in an industry. • Lastly, the overall rivalry or competition within the industry is analysed This tool helps one understand the relative powers of the major players in the industry and its overall competitive dynamics. Actionable and practical solutions can then be developed by keeping these factors into perspective. 6. PESTEL Analysis of Apple Pay Another helpful tool that should be used in finding the case study solutions is the PESTEL analysis. This also looks at the external business environment of the organisation helps in finding case study Analysis to real-life business issues as in HBR cases. • The PESTEL analysis particularly looks at the macro environmental factors that affect the industry. These are the political, environmental, social, technological, environmental and legal (regulatory) factors affecting the industry. • Factors within each of these 6 should be listed down, and analysis should be made as to how these affect the organisation under question. 7. VRIO Analysis of Apple Pay This is an analysis carried out to know about the internal strengths and capabilities of Apple Pay . Under the VRIO analysis, the following steps are carried out: • The internal resources of Apple Pay are listed down. • Each of these resources are assessed in terms of the value it brings to the organization. • Each resource is assessed in terms of how rare it is. A rare resource is one that is not commonly used by competitors. • Each resource is assessed whether it could be imitated by competition easily or not. • Lastly, each resource is assessed in terms of whether the organization can use it to an advantage or not. Email us for Any Case Solution at: [email protected] Note: This article is just a sample and not an actual case solution. If you want original case solution, please place your order on the Email.

Email us for Any Case Solution at: [email protected] • The analysis done on the 4 dimensions; Value, Rareness, Imitability, and Organization. If a resource is high on all of these 4, then it brings long-term competitive advantage. If a resource is high on Value, Rareness, and Imitability, then it brings an unused competitive advantage. If a resource is high on Value and Rareness, then it only brings temporary competitive advantage. If a resource is only valuable, then it’s a competitive parity. If it’s none, then it can be regarded as a competitive disadvantage. 8. Value Chain Analysis of Apple Pay The Value chain analysis of Apple Pay helps in identifying the activities of an organization, and how these add value in terms of cost reduction and differentiation. This tool is used in the case study analysis as follows: • The firm’s primary and support activities are listed down. • Identifying the importance of these activities in the cost of the product and the differentiation they produce. • Lastly, differentiation or cost reduction strategies are to be used for each of these activities to increase the overall value provided by these activities. Recognizing value creating activities and enhancing the value that they create allow Apple Pay to increase its competitive advantage. 9. BCG Matrix of Apple Pay The BCG Matrix is an important tool in deciding whether an organization should invest or divest in its strategic business units. The matrix involves placing the strategic business units of a business in one of four categories; question marks, stars, dogs and cash cows. The placement in these categories depends on the relative market share of the organization and the market growth of these strategic business units. The steps to be followed in this analysis is as follows: • Identify the relative market share of each strategic business unit. • Identify the market growth of each strategic business unit. • Place these strategic business units in one of four categories. Question Marks are those strategic business units with high market share and low market growth rate. Stars are those strategic business units with high market share and high market growth rate. Cash Cows are those strategic business units with high market share and low market growth rate. Dogs are those strategic business units with low market share and low growth rate. • Relevant strategies should be implemented for each strategic business unit depending on its position in the matrix. The strategies identified from the Apple Pay BCG matrix and included in the case pdf. These are either to further develop the product, penetrate the market, develop the market, diversification, investing or divesting. Email us for Any Case Solution at: [email protected] Note: This article is just a sample and not an actual case solution. If you want original case solution, please place your order on the Email.

Email us for Any Case Solution at: [email protected] 10. Ansoff Matrix of Apple Pay Ansoff Matrix is an important strategic tool to come up with future strategies for Apple Pay in the case solution. It helps decide whether an organization should pursue future expansion in new markets and products or should it focus on existing markets and products. • The organization can penetrate into existing markets with its existing products. This is known as market penetration strategy. • The organization can develop new products for the existing market. This is known as product development strategy. • The organization can enter new markets with its existing products. This is known as market development strategy. • The organization can enter into new markets with new products. This is known as a diversification strategy. The choice of strategy depends on the analysis of the previous tools used and the level of risk the organization is willing to take. 11. Marketing Mix of Apple Pay Apple Pay needs to bring out certain responses from the market that it targets. To do so, it will need to use the marketing mix, which serves as a tool in helping bring out responses from the market. The 4 elements of the marketing mix are Product, Price, Place and Promotions. The following steps are required to carry out a marketing mix analysis and include this in the case study analysis. • Analyse the company’s products and devise strategies to improve the product offering of the company. • Analyse the company’s price points and devise strategies that could be based on competition, value or cost. • Analyse the company’s promotion mix. This includes the advertisement, public relations, personal selling, sales promotion, and direct marketing. Strategies will be devised which makes use of a few or all of these elements. • Analyse the company’s distribution and reach. Strategies can be devised to improve the availability of the company’s products. 12. Apple Pay Strategy The strategies devised and included in the Apple Pay case memo should have a strategy. A strategy is a strategy that involves firms seeking uncontested market spaces, which makes the competition of the company irrelevant. It involves coming up with new and unique products or ideas through innovation. This gives the organization a competitive advantage over other firms, unlike a red ocean strategy. 13. Competitors analysis of Apple Pay Email us for Any Case Solution at: [email protected] Note: This article is just a sample and not an actual case solution. If you want original case solution, please place your order on the Email.

Email us for Any Case Solution at: [email protected] The PESTEL analysis discussed previously looked at the macro environmental factors affecting business, but not the microenvironmental factors. One of the microenvironmental factors are competitors, which are addressed by a competitor analysis. The Competitors analysis of Apple Pay looks at the direct and indirect competitors within the industry that it operates in. • This involves a detailed analysis of their actions and how these would affect the future strategies of Apple Pay . • It involves looking at the current market share of the company and its competitors. • It should compare the marketing mix elements of competitors, their supply chain, human resources, financial strength etc. • It also should look at the potential opportunities and threats that these competitors pose on the company. 14. Organisation of the Analysis into Apple Pay Case Study Solution Once various tools have been used to analyse the case, the findings of this analysis need to be incorporated into practical and actionable solutions. These solutions will also be the Apple Pay case answers. These are usually in the form of strategies that the organisation can adopt. The following step-by-step procedure can be used to organise the Harvard Business case solution and recommendations: • The first step of the solution is to come up with a corporate level strategy for the organisation. This part consists of solutions that address issues faced by the organisation on a strategic level. This could include suggestions, changes or recommendations to the company's vision, mission and its strategic objectives. It can include recommendations on how the organisation can work towards achieving these strategic objectives. Furthermore, it needs to be explained how the stated recommendations will help in solving the main issue mentioned in the case and where the company will stand in the future as a result of these. • The second step of the solution is to come up with a business level strategy. The HBR case studies may present issues faced by a part of the organisation. For example, the issues may be stated for marketing and the role of a marketing manager needs to be assumed. So, recommendations and suggestions need to address the strategy of the marketing department in this case. Therefore, the strategic objectives of this business unit (Marketing) will be laid down in the solutions and recommendations will be made as to how to achieve these objectives. Similar would be the case for any other business unit or department such as human resources, finance, IT etc. The important thing to note here is that the business level strategy needs to be aligned with the overall corporate strategy of the organisation. For example, if one suggests the organisation to focus on differentiation for competitive Email us for Any Case Solution at: [email protected] Note: This article is just a sample and not an actual case solution. If you want original case solution, please place your order on the Email.

Email us for Any Case Solution at: [email protected] advantage as a corporate level strategy, then it can't be recommended for the Apple Pay Case Study Solution that the business unit should focus on costs. • The third step is not compulsory but depends from case to case. In some HBR case studies, one may be required to analyse an issue at a department. This issue may be analysed for a manager or employee as well. In these cases, recommendations need to be made for these people. The solution may state that objectives that these people need to achieve and how these objectives would be achieved. The case study analysis and solution, and Apple Pay case answers should be written down in the Apple Pay case memo, clearly identifying which part shows what. The Apple Pay case should be in a professional format, presenting points clearly that are well understood by the reader. 15. Alternate solution to the Apple Pay HBR case study It is important to have more than one solution to the case study. This is the alternate solution that would be implemented if the original proposed solution is found infeasible or impossible due to a change in circumstances. The alternate solution for Apple Pay is presented in the same way as the original solution, where it consists of a corporate level strategy, business level strategy and other recommendations. 16. Implementation of Apple Pay Case Solution The case study does not end at just providing recommendations to the issues at hand. One is also required to provide how these recommendations would be implemented. This is shown through a proper implementation framework. A detailed implementation framework helps in distinguishing between an average and an above average case study answer. A good implementation framework shows the proposed plan and how the organisations' resources would be used to achieve the objectives. It also lays down the changes needed to be made as well as the assumptions in the process. • A proper implementation framework shows that one has clearly understood the case study and the main issue within it. • It shows that one has been clarified with the HBR fundamentals on the topic. • It shows that the details provided in the case have been properly analysed. • It shows that one has developed an ability to prioritise recommendations and how these could be successfully implemented. • The implementation framework also helps by removing out any recommendations that are not practical or actionable as these could not be implemented. Therefore, the implementation framework ensures that the solution to the Apple Pay Harvard case is complete and properly answered. Email us for Any Case Solution at: [email protected] Note: This article is just a sample and not an actual case solution. If you want original case solution, please place your order on the Email.

Email us for Any Case Solution at: [email protected] 17. Recommendations and Action Plan for Apple Pay case analysis For Apple Pay, based on the SWOT Analysis, Porter Five Forces Analysis, PESTEL Analysis, VRIO analysis, Value Chain Analysis, BCG Matrix analysis, Ansoff Matrix analysis, and the Marketing Mix analysis, the recommendations and action plan are as follows: • Apple Pay should focus on making use of its strengths identified from the VRIO analysis to make the most of the opportunities identified from the PESTEL. • Apple Pay should enhance the value creating activities within its value chain. • Apple Pay should invest in its stars and cash cows, while getting rid of the dogs identified from the BCG Matrix analysis. • To achieve its overall corporate and business level objectives, it should make use of the marketing mix tools to obtain desired results from its target market. Email us for Any Case Solution at: [email protected] Note: This article is just a sample and not an actual case solution. If you want original case solution, please place your order on the Email.

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Apple Inc Harvard Case Solution & Analysis

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Apple Inc Case Study Solution  

Of course, the legal threats and opportunities in entertainment are not limited to copyright issues alone. There are also issues of plagiarism, which arise from a writer, director, or producer taking credit for someone else's work. This may happen when a film script is passed around in Hollywood by a writer, director, or producer without acknowledgment, and the work is used by the creator as his or her own. This can lead to lawsuits, damages, and even, in some cases, the production and release of the movie or television series being halted because of the issues that are faced by the in finger        . It may also lead to the production or distribution of the film or TV series being delayed for several months, years, or even decades.

Opportunities and threats –Smartphone

Mobile companies are always in need of ways to provide their customers with an efficient way to use their devices. With this in mind, they are always looking for ways to provide more value to the average consumer. One of these methods is by using new technologies to bring users closer together.

The opportunity that the smartphone industry will be offering is through wireless communication. It is not only carriers who are looking for ways to create more opportunities in the marketplace. Other smartphone companies are also taking notice of the growing popularity of wireless carriers. They are even working with them to offer subscribers the best deals possible.

This will allow wireless carriers to offer more options to their customers. For instance, they will be able to offer contract phones or devices that allow subscribers to pay monthly fees for a specific amount of time. As a subscriber uses the device, he or she will be billed according to the amount of time the user had been using the device. The most common contract phone is the contract phone plan.

However, a contract phone can be more expensive than other plans, especially since they come with many limitations. The most common limitations include a small storage capacity and a limited number of calling minutes. However, with a contract phone, a customer can get great value for their money.

The competition is growing between manufacturers and carriers. As a result, many companies are offering gifts or free upgrades to encourage people to switch their service. In addition to this, some carriers are even offering incentives, such as cashback for customers who use their service in exchange for a purchase. Some companies are even offering free games and applications for their users. There are even cases where some companies are offering free services or products in exchange for signing up for their service.

Industry Driving Forces:

The driving factors of the smartphone industry include 3G communication and Wi-Fi configuration are considered the largest components behind the optimistic growth of the smartphone market.  Despite the popularity of the product, the customer tends to seek higher resolution, the ability to use storage media as well as many other states of the art features in the product.

Another driving force in the smartphone industry is having a powerful brand image. Many key marketing principles are used in Apple's business to ensure they have a powerful brand image. One such principle is to make sure a company understands its target market. A company that understands its target market can develop a unique marketing strategy that is designed to get the most attention from customers. In turn, this leads to improved sales and profits.

The companies must use media that will allow them to reach consumers quickly and accurately. A company has a dedicated marketing team, which focuses on developing new advertising campaigns and new ways to promote existing ads. Marketing is constantly changing to keep up with consumer expectations. With so much emphasis on satisfied customers, Apple has managed to build a long-standing reputation for excellent products, reliable service, and a great product.

Industry Key Success Factors:

One of the key success factors is to maintain the customer loyalty that is so important to maintaining success, a company needs to offer products and services that meet the needs of the consumer. Many companies are hesitant to offer new products. However, Apple recognizes that if it would do, it will lead to more repeat customers and higher sales. Since the company recognize that this is the primary goal of advertising, it would be willing to go to great lengths to make sure that the products and services are appealing to consumers.

Another key success factor is the design of the hardware because if the device lacks an appealing and eye-catching design, the consumer would not pay attention to the product. Furthermore, the companies are required to offer a reliable operating system to the customers. This is because of the reason that Android and iOS continue to be some of the top picks of customers all around the world. In case, the smartphone is running an obsolete software and OS, the customer would go elsewhere.

Moreover, to successfully sell the products in the market , the companies are required to build the brand reputation in the market. It would help in attracting a wider base of customers. Building a brand that the customer would trust the most, is one of the challenging and difficult tasks. But, valuable and leading organizations such as Apple, Samsung have shown that a company that is highly trusted and valuable could easily generate higher amounts of revenues.

SECTION 4: Internal Environment

Functional area – strengths and weaknesses.

The management of the company is innovative. It significantly utilizes its presence in the IT industry. Additionally, the management of the company devotes its technologies and human resource to the creation of superior product standards and services contributing to the betterment of global society.

The weakness of the management of the company is an unclear set of directions and a lack of trust among employees.

The company prides itself on designing a better customer experience, retain its loyal customers, and build strong relationships with future customers. The company promotes its products and services through television advertisements which feature politicians, scientists, and artists who are seen as independent thinkers.

On the other hand, the weakness of the marketing of the company is that the products are priced for high and middle-income consumers.

The company embraces technology and innovation to greeter means. The company believes in continued research and investment for innovative technologies and product development and sales.Due to the advancement in technology, the use of tablets and smartphones is increasing, which will result in increased revenues.

On the other hand, the over-dependency of the company on iPhone products hinders its ability of investing in innovation and introducing new and innovative products.

The operational improvements helped the company boost revenues and succeeded in today's’ environment of challenge and change. This is combined with improving customer service and removing barriers to success.

In contradiction to strength, the company is lacking in maximizing efficiency in operation management. It is because of the reason that the company does not maximize the capacity of the workforce for product development and design.

Organizational structure

The organizational structure of the company is hierarchical that was developed by the CEO and founder of the company with core consideration to ensure the focused realization of the new and innovative ideas as well as a clear vision for the business.

On the other hand, the hierarchical organizational structure of the company delays in communicating horizontally between teams and vertically through levels.  It leads to communication barriers, organizational disunity, and poor flexibility.


Apple is best known for fostering a culture of innovation and creativity. Rapid innovation ensures that the company brings new and innovative products.

The employees are provided with lower wages in comparison to their working hours.

Core and/or Distinctive Competencies:

  • The core competency of the company is innovation and creativity which helps in attracting new as well as retaining the existing customers.
  • Additionally, the company offers a variety of products that are differentiated from the other businesses in the market. The products offered by the company are differentiated based on the price, brand name, features, and other factors.
  • Apple can provide a variety of products to its customers to maintain its’ consumer interest. Because people want to experience something that will make them happy, and the company has found a way to meet these needs.
  • With an intensive emphasis on satisfied customers; Apple has managed to build a long-standing reputation for excellent products, reliable service, and a great product.
  • Apple is one that is particularly known for its efforts on the consumer side.
  • The company understands the target market and finding the right marketing channel to communicate with the target audience.

Competitive Advantage:

  • To maintain customer loyalty that is so important to maintaining success, a company offers products and services that meet the customer’s needs.The main competitive advantage of Apple so far as computer companies go is that the company has built its system based on open-source software.
  • Apple has always kept to a high standard when it comes to making its products. The company also has a very strong focus on quality. Although Apple's focus on quality can be seen as being a product of its unique marketing strategy, it is also the result of Apple's ability to use key marketing principles.
  • Apple's focus on developing a unique marketing strategy is reflected in the way their marketing is presented to potential customers. Apple does not use traditional marketing techniques. Instead, they have developed a brand marketing strategy that incorporates unique marketing concepts and strategies. There is also an emphasis on using media that will not negatively impact consumers. The use of media provides a competitive advantage to the company because it is appealing to the target audience.
  • Apple has long been known for its iconic products and for being a quality company. Apple has always kept to a high standard when it comes to making its products. They also have a very strong focus on quality. Although Apple's focus on quality can be seen as being a product of its unique marketing strategy, it is also the result of Apple's ability to use key marketing principles. The main competitive advantage of Apple so far as computer companies go is that the company has built its system based on an open-source software.

Section 5: Strategies

Business level strategies:.

The business strategy of the company could be classified as product differentiation. It is pertinent to note that the multinational technology company tends to differentiate its products and services based on advanced functionality and simple, attractive design.The image of the Apple company is revitalized by pushing the limits of design as well as technology. Taking into consideration the example of China, the company launched a new series of iPhone with lower price points and improved quality of camera because the camera technology, in China has become a major differentiating factor. Due to the differentiation based business strategy of the company, Apple is known to be the game-changer and innovator of the technology industry.

In addition to this, the key to the business strategy of the company is the specific innovation and product strategy centered on proactive and reactive innovation built on the need to promote simplicity. The company does this by removing undesirable qualities as well as integrating differentiation and unique features to make them attractive and appealing, primarily by reinventing the entire experience of the user and introducing novel functionalities.

Corporate Level Strategies:

The corporate-level strategies of the company include close related diversification of the products at the high and moderate levels which includes software, mobile phones, personal computers, music stores, and home computers. Furthermore, Apple has a blend of entertainment and personal computing with a high level of integration, allowing it more efficient in manufacturing as well as delivery of products and services at competitive prices while remaining profitable at the same time.

Another business strategy implemented by Apple – Outsourcing i.e. manufacturing of processors from outsourced organizations. It allows Apple to perform efficiently and effectively by reducing its operating expenses required for running and maintenance of the production facilities. Moreover, the Internationalization of manufacturing is another corporate strategy of the company as it has established its production in China with core consideration of taking advantage of the low cost of labor, high potential market, access to raw material as well as favorable conditions of the economy because of the stability of the economy of China.....................

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When it comes to dedicated health and fitness trackers, everyone knows that Fitbit is as good as it gets. Plus, newer Fitbit smartwatch models offer so much more functionality beyond fitness tracking, and they work with iPhones as well as Android smartphones. But Fitbit also makes excellent smartwatches these days, rivaling the likes of the Apple Watch. So many people wonder if they’re better off with an Apple Watch or a model like the popular Fitbit Versa 4 smartwatch.

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    On October 20, 2014, U.S. consumers could start using Apple Pay in stores with their iPhone 6 or iPhone 6 Plus (and later Apple Watch) and within apps using iPhone 6, iPhone 6 Plus, iPad Air 2 and iPad mini 3. By March 2015, Apple Pay was accepted in 700,000 retail locations including Coca-Cola vending machines.

  2. Case

    Should Apple make any changes to the Apple Pay rollout plan? Yes, Apple will be a success because of the factors, such as: it is predicted that the consumption will increase in the United States of America to grow by 4% per year through 2019.The second factor is the preference of US residents for e-payments rather than payment through cash.

  3. Case Study On Apple Pay : A New Digital Marketing Tool

    APPLE PAY. "Apple Pay is a mobile payment and digital wallet service by Apple Inc. that lets users make payments using the iPhone 6, 6 Plus, and later, Apple Watch-compatible devices (iPhone 5 and later models), iPad Air 2, iPad Pro and iPad Mini 3 and later. Apple Pay does not require Apple Pay-specific contactless payment terminals, and can ...

  4. Case Study

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  5. Case

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  6. APPLE PAY Case Analysis and Case Solution

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  7. Apple Pay Case Solution

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  8. APPLE PAY Case Study Solution

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  9. Apple Pay Case Study Solution and Analysis of Harvard Case Studies

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  10. Calaméo

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  11. Apple Case Study Solution

    To a large degree this is correct. Apple's primary obligations are to its customers and shareholders. By producing excellent products at a reasonable price Apple is doing well to both groups. Apple is not obligated to sacrifice either group to the vision of increasing America's employment numbers.

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  13. Apple Inc. in 2015 Case Solution And Analysis, HBR Case Study Solution

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  22. Fitbit Versa 4 vs Apple Watch: Which is best for you?

    First, you should check out the Fitbit Versa 4 smartwatch if you don't want to spend hundreds of dollars on an Apple Watch. The Series 9 model retails for $399+, while the Versa 4 is under $300 ...