1. Apple's Pay Later service in the United States is coming to an end:
- Apple has announced that it will be discontinuing its Pay Later service in the U.S. as of June 30, 2024.
- The company cites regulatory challenges and a need to focus on other priorities as the reasons for the service's termination.

2. Impact on consumers and merchants:
- Consumers who have been using Apple Pay Later will no longer have access to this short-term financing option after the service ends.
- Merchants who have been accepting Apple Pay Later as a payment method will need to adjust their checkout processes and communicate the change to their customers.

3. Apple's focus on other financial services:
- Despite the discontinuation of Pay Later, Apple remains committed to its broader financial services offerings, including Apple Card and Apple Cash.
- The company is expected to continue investing in and expanding its financial services ecosystem, though the specific details of its future plans are not yet known.