Get more out of your money! Scaling is happening here: Apple, Credissential, and Shopify

Apple is focusing on financial services – Analysts are delighted

Apple is known for the iPhone, iPad, and its digital ecosystem. Anyone who uses Apple knows that it works! With this aura, breaking into new business areas – such as personal finance, is easy. In this area, Apple has long offered more than just the Apple Pay payment service, which turns smartphones into credit cards. Apple has been offering the Apple credit card in the US since 2019, giving customers daily cashback on payments. This was followed in 2023 by an Apple savings account. For a short time, Apple even offered installment payments with Apple Pay Later. Apple's strategic vision is to replace the physical wallet: "We have a bigger vision to replace users' physical wallets with a simple, secure, and private digital wallet – the Apple Wallet," stated Jennifer Bailey, Apple's Vice President and Head of Apple Pay, in a letter published on the tenth anniversary of the service. Apple is therefore pursuing the goal of becoming a comprehensive provider of personal finance services – from payments and investments to installment loans.

Analysts are also praising this development: Morgan Stanley confirmed its "Overweight" rating with a price target of USD 235 in May 2025, citing Apple's strong quarterly figures, which are primarily attributable to its increasingly robust services business. According to estimates by analysts at Clearly Payments, transactions with a total volume of USD 6 trillion were processed via Apple Pay worldwide last year – and Apple alone could account for 10% of all card payments** this year.

Fintech Credissential offers small businesses added value with three products

Apple's success shows that fintech solutions have what it takes to win over customers and generate growth. While Apple relies on its more than two billion active devices to drive new solutions, Canadian fintech Credissential is addressing specialized target groups and offering tailor-made solutions with added value. Credissential currently targets three growth sectors: vehicle sales, secure digital payment processing, and crypto tax compliance. All solutions are consistently AI-driven and designed to offer direct benefits to businesses and freelancers. The DealerFlow car trading platform collects all vehicle documents, supports inventory management, and is designed to ensure that vehicles can be sold faster and at better conditions. The Antenna Transfer payment service focuses on security and offers an escrow service. The target audience: small businesses, freelancers, law firms, and architects. The solution: reduce risks associated with larger payments, offer financing solutions, and accept cryptocurrencies in addition to traditional currencies. The third product, CoinCmply, addresses the growing need for tax software for cryptocurrencies. Credissential aims to simplify everyday life for tax advisors and companies.

Credissential offers all three solutions as Software-as-a-Service in a straightforward subscription model. Such subscription models stand for high-margin, recurring revenues with low implementation costs. The latter point should make it easy for many freelancers or small and medium-sized businesses to try out Credissential's services – if there is added value that pays off immediately, self-employed users are likely to stick with it. In May 2025, the Company completed the acquisition of CoinCmply, a platform for crypto tax compliance. With this acquisition, which Credissential paid for with its own shares worth approximately CAD 1 million, Credissential is further diversifying its portfolio and opening up even more opportunities in the field of cryptocurrencies. In fact, 2025 is set to be a year of growing sales. To this end, CEO Colin Frost recently announced a growth strategy that includes further acquisitions. According to the CEO, the focus could be on quantum-secure encryption and cloud infrastructure.

From niche to market leadership? Shopify has shown how it's done!

The success of Shopify, which has established itself as an "operating system for commerce" since its founding in 2006, shows that it is definitely worthwhile for smaller companies to occupy certain niches. Millions of merchants – from small start-ups to large brands – use Shopify to operate online stores, process payments, and obtain services related to sales, logistics, and financing. Above all, payment services are now a revenue driver for Shopify. According to the analyst conference for the first quarter of 2025, between January and March, 64% of the total trading volume on Shopify was processed via its payment processing system, Shopify Payments. This shows that once you have convinced customers of one service, it is easy to offer additional services.

Credissential: EUR 3 million market capitalization in a year of growth – are opportunities lurking here?

Canadian fintech Credissential has positioned itself in three exciting niches and aims to score points with future customers by focusing on tax-related services, efficient processes, and cryptocurrencies. The chances of success look promising: the Company itself cites analysts who estimate the addressable target market for all three business areas at USD 4.7 billion. Compared to heavyweights Apple and Shopify, Credessential is still in its infancy with a market capitalization of less than EUR 3 million. As the stock has lost significant ground over the past six months, speculative investors could be looking for opportunities right now.