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The company announced several new features for the iPhone’s Wallet app at its developers conference Monday that directly compete with products from other fintech companies such as Affirm and PayPal. The big one: a buy now, pay later service called Apple Pay Later. That announcement sent Affirm shares down more than 5% Monday, and they were down an additional 4% as of Tuesday morning. Apple will also launch a new payments system later this month that lets you pay someone by tapping your iPhone against theirs. It’s a direct competitor to Block’s Square. And Wallet in iOS 16 will let you track online orders you buy through Apple Pay.

It also means any upgrades you want have to be made at the time of purchase, including $400 for additional RAM and as much as $2,400 for 8 terabytes of storage. Those are pricey additions to an already expensive computer. There’s a headphone jack on the back of the Mac Studio, but it’d be more convenient if it was right on the front alongside the USB ports. And while there’s plenty of graphics power for editing videos and photos, gamers who want the latest titles should consider a Windows gaming PC instead, since most new games that take advantage of beefy CPUs and GPUs, such as the recent hit “Elden Ring,” simply aren’t available for the Mac.

Apple’s new rivals in the buy now, pay later space have struggled in recent months as consumer spending shifts from goods to services. Other fintech and crypto companies such as Robinhood, PayPal and Coinbase have struggled this year as well. Read more about tech and crypto from CNBC Pro

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The picture quality on the Studio Display is good, but it won’t blow you away. I like that text is nice and sharp thanks to the extra pixels, so people who read on their computer for hours per day might want to consider it. And while it might seem expensive, it’s a lot less than the Pro Display XDR Apple also sells, which costs $4,999 before you add in the $1,000 stand. That’s for video professionals who need a bigger, brighter, 32-inch screen and more accurate colors for work.

5G is nice to have if you care about using your iPad outside of a Wi-Fi network, like on the bus or the train. I usually buy the cellular model because I like having that option. But 5G doesn’t offer consumers all that much yet over the older 4G LTE networks, other than faster downloads, which might be useful if you need to quickly download some movies before hopping on a flight. Just expect to pay about $150 more for the cellular version.