AllYouCanTech

**Chase Assumes Control of Apple Card: Consequences for JPMorgan and Users**

Recently, Apple formally announced that JPMorgan Chase will take over as the new issuer of the Apple Card, a development that has been on the horizon for some time. This shift holds major significance not just for Apple and its customers, but also for JPMorgan Chase, which has already indicated a detrimental effect on its financial results due to this acquisition.

### Chase Earnings Drop During Apple Card Transition

As reported by *The Wall Street Journal*, JPMorgan Chase’s profits decreased by 7% in the fourth quarter of 2025, with the acquisition of the Apple credit card program playing a role in this downturn. The bank declared it would be assuming control of the Apple Card from Goldman Sachs, which led JPMorgan to register an extra $2.2 billion charge for potential future loan losses related to the estimated $20 billion in outstanding balances tied to the card. This charge had a notable impact on the bank’s earnings, resulting in a reduction of 60 cents per share for the quarter.

Even though the Apple Card enjoys popularity among consumers, it has not proven to be a financial win for Goldman Sachs, the initial issuer. The partnership has encountered numerous difficulties, resulting in considerable financial setbacks for Goldman Sachs. As Chase gears up to take over, it is proactively preparing for potential risks related to the card, indicating a cautious stance in its new role.

### The Prospective Path of Apple Card Under Chase

Chase’s decision to acquire the Apple Card prompts inquiries about the future of the product, particularly in light of the hurdles encountered by Goldman Sachs. While Chase is set to officially take charge of the Apple Card in two years, the bank is already making tactical moves to reduce potential losses.

Apple has indicated it will ensure stability for current Apple Card users, although changes are expected as Chase enacts its own strategies and policies. The particulars of these modifications remain uncertain, but users can likely anticipate alterations that may improve the card’s features or adjust its terms.

### Conclusion

The transfer of the Apple Card from Goldman Sachs to JPMorgan Chase signifies a notable transformation in the financial realm for both organizations and consumers. While Chase is preparing for potential hurdles, the future of the Apple Card will hinge on how adeptly the bank can manage the existing portfolio and innovate the product to better cater to its users. As further information becomes available in the upcoming months, both current and potential Apple Card users will be closely monitoring for updates regarding this new alliance.

# Google Gemini: Personal Intelligence Transforming Digital Assistance

Google’s Gemini is set to reshape the idea of a digital assistant with the introduction of “Personal Intelligence,” which is currently in beta. This function seeks to offer a more customized, proactive, and robust user experience by utilizing the vast data Google has accumulated regarding its users.

## What is Personal Intelligence?

Personal Intelligence enables Gemini to draw on specific information from various Google services, enhancing its capacity to deliver personalized responses. The data sources encompass:

– **Google Workspace**: Applications such as Gmail, Calendar, and Drive.
– **Google Photos**: Access to photos and their associated metadata.
– **YouTube**: Insights derived from viewing history.
– **Search Services**: Information from Google Search, Shopping, News, Maps, and Google Flights and Hotels.

This functionality allows Gemini to not only reference historical interactions but also to synthesize information across diverse sources, providing uniquely tailored responses that transcend ordinary chatbot abilities.

## Real-World Applications

Google showcases numerous examples of how Personal Intelligence can improve daily activities. For example, should a user need to determine the tire size for their vehicle, Gemini can propose options based on family road trips captured in Google Photos, while also offering ratings and prices for each option.

In another instance, if a user requires their vehicle’s license plate number while at a repair shop, Gemini can extract it from a photo kept in Google Photos, illustrating its capability to seamlessly integrate information from multiple sources.

## Transparency and User Control

Gemini will introduce an “Answer now” button that supersedes the conventional “Skip” option, enabling users to understand how the assistant formulates its conclusions. Users will also have the ability to adjust Gemini’s interpretation of their preferences and regenerate responses devoid of personalization if desired. For those who wish to limit data sharing, temporary chats are available.

## Privacy Considerations

Personal Intelligence is disabled by default, allowing users to selectively link certain apps. Google highlights that Gemini does not train on personal data such as emails or photos directly. Instead, it applies limited information, including specific prompts and responses, to refine its abilities while safeguarding sensitive data.

Google assures users that their information is not transmitted elsewhere for processing, preserving a secure environment for personalization.

## Recommendations and Suggestions

Gemini’s Personal Intelligence shines in delivering recommendations tailored to individual preferences. For instance, it can propose books, series, clothing, and travel itineraries based on a user’s interests and previous activities. Users can ask Gemini for suggestions on local hidden gems, weekend plans, or new hobbies, making it a flexible tool for personal organization.

## Limitations and Cautions

Although Google has performed thorough testing to reduce inaccuracies, users are warned of the possibility of errors or excessive personalization. For example, if Gemini presumes a user enjoys golf due to multiple photos, it may miss the nuanced context behind those images. Users are encouraged to provide feedback to amend such interpretations.

## Accessing Gemini Personal Intelligence

Currently, Google AI Pro and Ultra subscribers in the U.S. can activate Personal Intelligence. The feature is being rolled out gradually and is accessible on Android, iOS, and the web. Future intentions include making it available to free-tier users and expanding its reach to additional countries.

To activate Personal Intelligence, users should:

1. Open Gemini and tap their profile picture in the top-right corner to access Settings.
2. Tap Personal Intelligence.
3. Select Connected Apps (Gmail, Photos, etc.).

## Conclusion

Google’s Gemini with Personal Intelligence signifies a major advancement in digital assistance, delivering a more tailored and intuitive experience. By securely and transparently leveraging existing user data, Gemini aspires to enhance everyday tasks and offer valuable recommendations, ultimately simplifying life and improving organization for its users.

**9to5Toys Lunch Break: Current Discounts on Apple Goods and Accessories**

In this edition of the 9to5Toys Lunch Break, we showcase major markdowns on sought-after Apple goods and accessories, making it an ideal moment for tech aficionados to enhance their gadgets or add-ons.

### Apple’s Mid-Tier 512GB M4 Mac Mini Now $110 Cheaper

The Apple M4 Mac Mini is presently offered at a slashed price, with the entry-level model starting at **$499**. The more powerful 16GB RAM variant with 512GB SSD is now available for **$689**, down from its usual price of $799, reflecting a **$110 price cut**. This promotion stands out as one of the finest prices available outside of Black Friday, appealing to those in search of a high-performance yet budget-friendly desktop computer.

### Best Rate on the Official Apple Milanese Loop

The black Apple Milanese Loop has reached a fresh all-time low at **$146.78**, down from its regular price of $199. This **26% price drop** is a unique chance to acquire one of Apple’s luxury watch bands, especially for individuals with wrist sizes ranging from 130 to 160mm. The Milanese Loop is celebrated for its stylish design and adaptability, making it suitable for a variety of settings.

### Budget-Friendly 13-Inch M5 iPad Pro Reaches Amazon Low

Apple’s most economical 13-inch M5 iPad Pro is now priced at **$1,149**, showcasing a **$150 discount** from its initial price of $1,299. This reduction denotes the lowest price recorded for this model since its launch, rendering it an appealing option for those aiming to invest in a top-tier tablet.

### Anker’s 3-in-1 Qi2 25W MagSafe Charging Stand at 30% Off

Anker’s newest 3-in-1 Qi2 MagSafe Charging Stand is available for **$160.99**, down from its original price of $230. This **30% discount** provides an exceptional charging solution that features a color display for real-time updates on power and temperature, along with varied charging modes to accommodate different preferences.

### Apple AirTag 4-Pack at $65

Amazon is offering the Apple AirTag 4-pack for **$64.98**, which comes out to **$16.25 per tag**. This offer represents considerable savings from the usual price of $99, making it an excellent option for those wishing to keep tabs on their possessions.

### Conclusion

With these notable price reductions on Apple goods and accessories, now is a prime time to buy. Whether you seek a new Mac Mini, an iPad Pro, or accessories like the Milanese Loop and charging stands, these offers present significant savings and value.