@horsemankukka@chucker@luciascarlet@pk_iv The Teilzahlungsgeschäft only covers “pay later for what I sell you.”
Apple’s program is full-on financing, not just delayed payment — so under German law that’s banking territory → needs a banking license/partner bank.
@horsemankukka@chucker@luciascarlet@pk_iv Kind of. Lending money/financing (which is basically what the upgrade program is) as a business model requires a banking license and I guess it‘s probably quite the hassle (and also expensive) to get one so Apple and companies in general just partner up with banks
@chucker@luciascarlet@pk_iv Klar, aber vom Prinzip her das gleiche. In der Form wie in den USA wirds das hierzulande nicht geben, da wird immer ne Bank dazwischen sein