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Indian fintech Jar turns profitable by enabling millions to save in gold | TechCrunch

Indian fintech Jar turns profitable by enabling millions to save in gold | TechCrunch

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Jar, an Indian fintech startup that allows users to invest in gold, has turned profitable by helping millions of first-time savers use its app to build digital gold holdings.

While many consumer fintechs focus on affluent urban users or credit products, Jar has gained traction by offering a culturally familiar asset — gold — as a low-barrier entry point to saving. The four-year-old startup targets low- to middle-income users —a segment often underserved by traditional financial institutions—by allowing them to save in gold for as little as ₹10 (about $0.11) a day.

That strategy has helped Jar reach over 35 million registered users across 12,000 zip codes, co-founder and CEO Nishchay AG said in an interview. About 60% of users are from India’s smaller cities and towns (known as tier-2 and tier-3 towns), and more than 95% are saving formally for the first time, he told TechCrunch.

The startup’s financials reflect this momentum, and two sources familiar with the matter tell TechCrunch that it is even planning to go public next year. Investment bankers are engaging with the startup for its IPO, the sources said.

These bankers have a compelling growth story to share. Jar’s operating revenue — primarily from its core gold-saving app — grew ninefold in fiscal year 2024, which ended in March, to ₹2.08 billion (roughly $23.6 million), as disclosed in its latest filing. More dramatically, its total revenue across all business lines during that same period jumped to ₹24.50 billion (approximately $279.3 million), representing a 49-fold jump from ₹500 million ($5.7 million) in the previous financial year (FY24).

This total revenue figure includes earnings from digital gold transactions, jewelry sales through its Nek platform, and fees from third-party distribution partnerships.

The jewelry component is a sizable piece of this diversified approach. Nek launched early last year to offer gold, silver, diamond, and lab-grown diamond jewelry across over 8,000 zip codes. The platform works on a drop-shipment model with zero inventory. It crossed ₹1 billion (approximately $11 million) in annual revenue last year and has been “growing steadily since,” Nishchay said.

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Jar has been profitable after tax for the last two consecutive quarters, Nishchay told TechCrunch.

That growth ties to a bet by the company on a new direction. Until last year, Jar functioned primarily as a distribution platform working with a third-party digital gold provider — essentially acting as a middleman. Since then, it has vertically integrated its operations, building an in-house tech stack to purchase, store, and manage gold directly, with BDO serving as its statutory auditor and Brinks as its custody partner. By controlling the entire value chain, Jar can now capture a larger share of the gold value chain and even distribute its gold through third-party platforms,including the Walmart-owned fintech firm PhonePe.

Earlier this year, the Bengaluru-based startup partnered both BharatPe and Unity Small Finance Bank to let users make digital payments — both to individuals and merchants — directly through the Jar app using India’s Unified Payments Interface (UPI) system. UPI is India’s dominant digital payment network that allows instant bank-to-bank transfers using smartphones. The move opens up a new revenue stream and aims to increase user engagement and retention by broadening the app’s utility beyond just gold savings.

Jar has also been an early adopter of UPI AutoPay, a feature introduced by the Indian government in 2020 to enable recurring payments on the UPI platform. The feature has helped the startup, which only supports UPI-based payments for gold savings, drive repeat transactions from users, according to sources familiar with the matter.

“Daily savings is our hero feature, and that’s what most of our users use it for,” Nishchay said when asked how UPI AutoPay has contributed to the company’s growth.

The app serves a diverse user base, from skilled professionals in IT and manufacturing to small business owners and daily wage workers, such as electricians, plumbers, carpenters, and construction laborers. The app supports nine Indian languages, which the company says helps it cater to users across education and income levels.

The startup has also designed its app to offer a personalized experience to users, with gamification and nudges to encourage gold savings.

“The growth team consistently built different cohorts to identify the consumer based on a lot of attributes and data signals, based on what phone you use, which location you are operating the phone, from what language, what is your consistent saving pattern, all of those things they take into consideration,” Nishchay said.

The startup counts Tiger Global, Tribe Capital, Arkam Ventures, and WEH Ventures among its investors. It has raised $63.3 million in funding to date, per Tracxn, and was last valued at more than $300 million.

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It has launched a venture called Next Frontier to buy up land near large power sources with the goal of turning those parcels into data centers, the Wall Street Journal reports. Sources tell the WSJ that Next Frontier has already signed a joint venture with Fluidstack, a cloud infrastructure startup that penned a $50 billion deal to build data centers for Anthropic. (Coatue did not respond to a request for comment.)

Although the U.S. already has 3,000 data centers, more than 1,500 new ones are in various stages of being built, according to Pew Research, most of them in rural areas. The frenzy is enticing land speculation and data center financing projects from lots of players, ranging from Blackstone to Kevin O’Leary from “Shark Tank.”

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#Coatue #plan #buy #land #data #centers #possibly #Anthropic #TechCrunchAnthropic,coatue,data centers,In Brief">Coatue has a plan to buy up land for data centers, possibly for Anthropic | TechCrunch Coatue, one of the biggest names in venture capital and hedge funds, has a new plan to generate bigger returns on AI beyond its sizable stakes in Anthropic, OpenAI, xAI, and data center companies like Singapore’s DayOne and CoreWeave. It has launched a venture called Next Frontier to buy up land near large power sources with the goal of turning those parcels into data centers, the Wall Street Journal reports. Sources tell the WSJ that Next Frontier has already signed a joint venture with Fluidstack, a cloud infrastructure startup that penned a billion deal to build data centers for Anthropic. (Coatue did not respond to a request for comment.) Although the U.S. already has 3,000 data centers, more than 1,500 new ones are in various stages of being built, according to Pew Research, most of them in rural areas. The frenzy is enticing land speculation and data center financing projects from lots of players, ranging from Blackstone to Kevin O’Leary from “Shark Tank.” . #Coatue #plan #buy #land #data #centers #possibly #Anthropic #TechCrunchAnthropic,coatue,data centers,In Brief

Anthropic, OpenAI, xAI, and data center companies like Singapore’s DayOne and CoreWeave.

It has launched a venture called Next Frontier to buy up land near large power sources with the goal of turning those parcels into data centers, the Wall Street Journal reports. Sources tell the WSJ that Next Frontier has already signed a joint venture with Fluidstack, a cloud infrastructure startup that penned a $50 billion deal to build data centers for Anthropic. (Coatue did not respond to a request for comment.)

Although the U.S. already has 3,000 data centers, more than 1,500 new ones are in various stages of being built, according to Pew Research, most of them in rural areas. The frenzy is enticing land speculation and data center financing projects from lots of players, ranging from Blackstone to Kevin O’Leary from “Shark Tank.”

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#Coatue #plan #buy #land #data #centers #possibly #Anthropic #TechCrunchAnthropic,coatue,data centers,In Brief">Coatue has a plan to buy up land for data centers, possibly for Anthropic | TechCrunch

Coatue, one of the biggest names in venture capital and hedge funds, has a new plan to generate bigger returns on AI beyond its sizable stakes in Anthropic, OpenAI, xAI, and data center companies like Singapore’s DayOne and CoreWeave.

It has launched a venture called Next Frontier to buy up land near large power sources with the goal of turning those parcels into data centers, the Wall Street Journal reports. Sources tell the WSJ that Next Frontier has already signed a joint venture with Fluidstack, a cloud infrastructure startup that penned a $50 billion deal to build data centers for Anthropic. (Coatue did not respond to a request for comment.)

Although the U.S. already has 3,000 data centers, more than 1,500 new ones are in various stages of being built, according to Pew Research, most of them in rural areas. The frenzy is enticing land speculation and data center financing projects from lots of players, ranging from Blackstone to Kevin O’Leary from “Shark Tank.”

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#Coatue #plan #buy #land #data #centers #possibly #Anthropic #TechCrunchAnthropic,coatue,data centers,In Brief
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What drives players to trust digital marketplaces over the tried and tested big-name stores? Savings are a major factor: prices for both hardware and digital game keys can dip well below official retailer listings. Flash sales or limited-time discounts mean buyers can seize deals at odd hours, no camping out, no extra fees for international shipping.

But it’s not just the cost that wins people over. Instant access is non-negotiable for gamers who want a new release the second it drops, or need to replace a mic in time for tonight’s match. Digital codes and direct-to-home shipping let buyers skip wait times entirely. On top of that, curated stock and real-time availability mean less hunting around, which saves effort. Every moment not spent scrolling is one more minute playing.

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#Savvy #Gamers #Embracing #Digital #Marketplaces #Gear #GamesAndroid Gaming,console gaming,desktop gaming">Why Savvy Gamers Are Embracing Digital Marketplaces for Gear and Games Waiting in line for a midnight game release or scrambling to find a sold-out gaming headset at your favorite electronics store feels far less appealing in a world where instant digital access is just a click away. Today’s gamers are done chasing physical stock and juggling dozens of store accounts. Instead, they’re seeking out a more streamlined, cost-effective way to buy gear and titles, often without ever leaving their chair. Digital marketplaces have exploded in popularity among gaming enthusiasts aiming to make every dollar and minute count. For those new to this shift, sites like Eneba.com have made a strong mark by combining everything from rare peripherals to discounted digital game codes in one convenient space. With fierce competition driving prices lower and generous selection on offer, these platforms now rival traditional game shops, yet offer far more flexibility, whether it’s a late-night shopping urge or a flash sale on the latest blockbuster. While there are plenty of options to buy digital games online, many in-the-know buyers gravitate toward platforms like Eneba for several reasons. Eneba stands out by offering instant access to game keys, which allow players to redeem titles directly on platforms such as PlayStation, with no disc or shipping required. This gives buyers more choice and frequently better prices than traditional platform stores, while an enormous catalog and up-front global or region-locked information make for transparent shopping. Plus, with verified sellers and robust marketplace controls, the risk of counterfeits drops markedly. Beyond game keys, Eneba also features gift cards for services like Xbox, PSN, and Steam, meaning players can top up accounts and snag games or content of their choice, skipping the hunt for specific game keys. The Big Draws: Price, Speed, and Selection What drives players to trust digital marketplaces over the tried and tested big-name stores? Savings are a major factor: prices for both hardware and digital game keys can dip well below official retailer listings. Flash sales or limited-time discounts mean buyers can seize deals at odd hours, no camping out, no extra fees for international shipping. But it’s not just the cost that wins people over. Instant access is non-negotiable for gamers who want a new release the second it drops, or need to replace a mic in time for tonight’s match. Digital codes and direct-to-home shipping let buyers skip wait times entirely. On top of that, curated stock and real-time availability mean less hunting around, which saves effort. Every moment not spent scrolling is one more minute playing. Security and Transparency Keep Gamers Loyal Skepticism around digital goods is only natural when you’re entering codes worth fifty or even a hundred dollars. Digital marketplaces have worked hard to build trust by publishing clear security guarantees, requiring third-party merchant verification, and setting strict standards for compliance and sourcing. Buyers know that when issues arise, support teams are ready to step in, a far cry from faceless classified ads or auction sites. Transparency is a dealbreaker for many. Region-locked codes? Out-of-stock hardware? Sites that label everything clearly and show purchase history on demand find it easier to retain picky shoppers. Gamers remember who wasted their time and who made the experience simple. Flexibility for Modern Gaming Lifestyles Physical games and hardware still have a place, but the digital approach caters to how gamers actually live and play. Swapping consoles with friends, jumping from PC to mobile, and redeeming codes while traveling all become easier with digital ownership. The global reach of digital marketplaces makes it possible to find rare or region-specific gear and content not available locally. With the cycle of new releases and old favorites never ending, staying ahead of the next hot thing is less stressful when your shopping list can be satisfied in one place. Digital marketplaces like Eneba, offering deals on all things digital, continue to reshape how players discover, buy, and enjoy what they love most. #Savvy #Gamers #Embracing #Digital #Marketplaces #Gear #GamesAndroid Gaming,console gaming,desktop gaming

have made a strong mark by combining everything from rare peripherals to discounted digital game codes in one convenient space. With fierce competition driving prices lower and generous selection on offer, these platforms now rival traditional game shops, yet offer far more flexibility, whether it’s a late-night shopping urge or a flash sale on the latest blockbuster.

While there are plenty of options to buy digital games online, many in-the-know buyers gravitate toward platforms like Eneba for several reasons. Eneba stands out by offering instant access to game keys, which allow players to redeem titles directly on platforms such as PlayStation, with no disc or shipping required. This gives buyers more choice and frequently better prices than traditional platform stores, while an enormous catalog and up-front global or region-locked information make for transparent shopping. Plus, with verified sellers and robust marketplace controls, the risk of counterfeits drops markedly. Beyond game keys, Eneba also features gift cards for services like Xbox, PSN, and Steam, meaning players can top up accounts and snag games or content of their choice, skipping the hunt for specific game keys.

The Big Draws: Price, Speed, and Selection

Why Savvy Gamers Are Embracing Digital Marketplaces for Gear and Games Waiting in line for a midnight game release or scrambling to find a sold-out gaming headset at your favorite electronics store feels far less appealing in a world where instant digital access is just a click away. Today’s gamers are done chasing physical stock and juggling dozens of store accounts. Instead, they’re seeking out a more streamlined, cost-effective way to buy gear and titles, often without ever leaving their chair. Digital marketplaces have exploded in popularity among gaming enthusiasts aiming to make every dollar and minute count. For those new to this shift, sites like Eneba.com have made a strong mark by combining everything from rare peripherals to discounted digital game codes in one convenient space. With fierce competition driving prices lower and generous selection on offer, these platforms now rival traditional game shops, yet offer far more flexibility, whether it’s a late-night shopping urge or a flash sale on the latest blockbuster. While there are plenty of options to buy digital games online, many in-the-know buyers gravitate toward platforms like Eneba for several reasons. Eneba stands out by offering instant access to game keys, which allow players to redeem titles directly on platforms such as PlayStation, with no disc or shipping required. This gives buyers more choice and frequently better prices than traditional platform stores, while an enormous catalog and up-front global or region-locked information make for transparent shopping. Plus, with verified sellers and robust marketplace controls, the risk of counterfeits drops markedly. Beyond game keys, Eneba also features gift cards for services like Xbox, PSN, and Steam, meaning players can top up accounts and snag games or content of their choice, skipping the hunt for specific game keys. The Big Draws: Price, Speed, and Selection What drives players to trust digital marketplaces over the tried and tested big-name stores? Savings are a major factor: prices for both hardware and digital game keys can dip well below official retailer listings. Flash sales or limited-time discounts mean buyers can seize deals at odd hours, no camping out, no extra fees for international shipping. But it’s not just the cost that wins people over. Instant access is non-negotiable for gamers who want a new release the second it drops, or need to replace a mic in time for tonight’s match. Digital codes and direct-to-home shipping let buyers skip wait times entirely. On top of that, curated stock and real-time availability mean less hunting around, which saves effort. Every moment not spent scrolling is one more minute playing. Security and Transparency Keep Gamers Loyal Skepticism around digital goods is only natural when you’re entering codes worth fifty or even a hundred dollars. Digital marketplaces have worked hard to build trust by publishing clear security guarantees, requiring third-party merchant verification, and setting strict standards for compliance and sourcing. Buyers know that when issues arise, support teams are ready to step in, a far cry from faceless classified ads or auction sites. Transparency is a dealbreaker for many. Region-locked codes? Out-of-stock hardware? Sites that label everything clearly and show purchase history on demand find it easier to retain picky shoppers. Gamers remember who wasted their time and who made the experience simple. Flexibility for Modern Gaming Lifestyles Physical games and hardware still have a place, but the digital approach caters to how gamers actually live and play. Swapping consoles with friends, jumping from PC to mobile, and redeeming codes while traveling all become easier with digital ownership. The global reach of digital marketplaces makes it possible to find rare or region-specific gear and content not available locally. With the cycle of new releases and old favorites never ending, staying ahead of the next hot thing is less stressful when your shopping list can be satisfied in one place. Digital marketplaces like Eneba, offering deals on all things digital, continue to reshape how players discover, buy, and enjoy what they love most. #Savvy #Gamers #Embracing #Digital #Marketplaces #Gear #GamesAndroid Gaming,console gaming,desktop gaming

What drives players to trust digital marketplaces over the tried and tested big-name stores? Savings are a major factor: prices for both hardware and digital game keys can dip well below official retailer listings. Flash sales or limited-time discounts mean buyers can seize deals at odd hours, no camping out, no extra fees for international shipping.

But it’s not just the cost that wins people over. Instant access is non-negotiable for gamers who want a new release the second it drops, or need to replace a mic in time for tonight’s match. Digital codes and direct-to-home shipping let buyers skip wait times entirely. On top of that, curated stock and real-time availability mean less hunting around, which saves effort. Every moment not spent scrolling is one more minute playing.

Security and Transparency Keep Gamers Loyal

Skepticism around digital goods is only natural when you’re entering codes worth fifty or even a hundred dollars. Digital marketplaces have worked hard to build trust by publishing clear security guarantees, requiring third-party merchant verification, and setting strict standards for compliance and sourcing. Buyers know that when issues arise, support teams are ready to step in, a far cry from faceless classified ads or auction sites.

Transparency is a dealbreaker for many. Region-locked codes? Out-of-stock hardware? Sites that label everything clearly and show purchase history on demand find it easier to retain picky shoppers. Gamers remember who wasted their time and who made the experience simple.

Flexibility for Modern Gaming Lifestyles

Physical games and hardware still have a place, but the digital approach caters to how gamers actually live and play. Swapping consoles with friends, jumping from PC to mobile, and redeeming codes while traveling all become easier with digital ownership. The global reach of digital marketplaces makes it possible to find rare or region-specific gear and content not available locally.

With the cycle of new releases and old favorites never ending, staying ahead of the next hot thing is less stressful when your shopping list can be satisfied in one place. Digital marketplaces like Eneba, offering deals on all things digital, continue to reshape how players discover, buy, and enjoy what they love most.

#Savvy #Gamers #Embracing #Digital #Marketplaces #Gear #GamesAndroid Gaming,console gaming,desktop gaming">Why Savvy Gamers Are Embracing Digital Marketplaces for Gear and Games

Waiting in line for a midnight game release or scrambling to find a sold-out gaming headset at your favorite electronics store feels far less appealing in a world where instant digital access is just a click away. Today’s gamers are done chasing physical stock and juggling dozens of store accounts. Instead, they’re seeking out a more streamlined, cost-effective way to buy gear and titles, often without ever leaving their chair.

Digital marketplaces have exploded in popularity among gaming enthusiasts aiming to make every dollar and minute count. For those new to this shift, sites like Eneba.com have made a strong mark by combining everything from rare peripherals to discounted digital game codes in one convenient space. With fierce competition driving prices lower and generous selection on offer, these platforms now rival traditional game shops, yet offer far more flexibility, whether it’s a late-night shopping urge or a flash sale on the latest blockbuster.

While there are plenty of options to buy digital games online, many in-the-know buyers gravitate toward platforms like Eneba for several reasons. Eneba stands out by offering instant access to game keys, which allow players to redeem titles directly on platforms such as PlayStation, with no disc or shipping required. This gives buyers more choice and frequently better prices than traditional platform stores, while an enormous catalog and up-front global or region-locked information make for transparent shopping. Plus, with verified sellers and robust marketplace controls, the risk of counterfeits drops markedly. Beyond game keys, Eneba also features gift cards for services like Xbox, PSN, and Steam, meaning players can top up accounts and snag games or content of their choice, skipping the hunt for specific game keys.

The Big Draws: Price, Speed, and Selection

Why Savvy Gamers Are Embracing Digital Marketplaces for Gear and Games Waiting in line for a midnight game release or scrambling to find a sold-out gaming headset at your favorite electronics store feels far less appealing in a world where instant digital access is just a click away. Today’s gamers are done chasing physical stock and juggling dozens of store accounts. Instead, they’re seeking out a more streamlined, cost-effective way to buy gear and titles, often without ever leaving their chair. Digital marketplaces have exploded in popularity among gaming enthusiasts aiming to make every dollar and minute count. For those new to this shift, sites like Eneba.com have made a strong mark by combining everything from rare peripherals to discounted digital game codes in one convenient space. With fierce competition driving prices lower and generous selection on offer, these platforms now rival traditional game shops, yet offer far more flexibility, whether it’s a late-night shopping urge or a flash sale on the latest blockbuster. While there are plenty of options to buy digital games online, many in-the-know buyers gravitate toward platforms like Eneba for several reasons. Eneba stands out by offering instant access to game keys, which allow players to redeem titles directly on platforms such as PlayStation, with no disc or shipping required. This gives buyers more choice and frequently better prices than traditional platform stores, while an enormous catalog and up-front global or region-locked information make for transparent shopping. Plus, with verified sellers and robust marketplace controls, the risk of counterfeits drops markedly. Beyond game keys, Eneba also features gift cards for services like Xbox, PSN, and Steam, meaning players can top up accounts and snag games or content of their choice, skipping the hunt for specific game keys. The Big Draws: Price, Speed, and Selection What drives players to trust digital marketplaces over the tried and tested big-name stores? Savings are a major factor: prices for both hardware and digital game keys can dip well below official retailer listings. Flash sales or limited-time discounts mean buyers can seize deals at odd hours, no camping out, no extra fees for international shipping. But it’s not just the cost that wins people over. Instant access is non-negotiable for gamers who want a new release the second it drops, or need to replace a mic in time for tonight’s match. Digital codes and direct-to-home shipping let buyers skip wait times entirely. On top of that, curated stock and real-time availability mean less hunting around, which saves effort. Every moment not spent scrolling is one more minute playing. Security and Transparency Keep Gamers Loyal Skepticism around digital goods is only natural when you’re entering codes worth fifty or even a hundred dollars. Digital marketplaces have worked hard to build trust by publishing clear security guarantees, requiring third-party merchant verification, and setting strict standards for compliance and sourcing. Buyers know that when issues arise, support teams are ready to step in, a far cry from faceless classified ads or auction sites. Transparency is a dealbreaker for many. Region-locked codes? Out-of-stock hardware? Sites that label everything clearly and show purchase history on demand find it easier to retain picky shoppers. Gamers remember who wasted their time and who made the experience simple. Flexibility for Modern Gaming Lifestyles Physical games and hardware still have a place, but the digital approach caters to how gamers actually live and play. Swapping consoles with friends, jumping from PC to mobile, and redeeming codes while traveling all become easier with digital ownership. The global reach of digital marketplaces makes it possible to find rare or region-specific gear and content not available locally. With the cycle of new releases and old favorites never ending, staying ahead of the next hot thing is less stressful when your shopping list can be satisfied in one place. Digital marketplaces like Eneba, offering deals on all things digital, continue to reshape how players discover, buy, and enjoy what they love most. #Savvy #Gamers #Embracing #Digital #Marketplaces #Gear #GamesAndroid Gaming,console gaming,desktop gaming

What drives players to trust digital marketplaces over the tried and tested big-name stores? Savings are a major factor: prices for both hardware and digital game keys can dip well below official retailer listings. Flash sales or limited-time discounts mean buyers can seize deals at odd hours, no camping out, no extra fees for international shipping.

But it’s not just the cost that wins people over. Instant access is non-negotiable for gamers who want a new release the second it drops, or need to replace a mic in time for tonight’s match. Digital codes and direct-to-home shipping let buyers skip wait times entirely. On top of that, curated stock and real-time availability mean less hunting around, which saves effort. Every moment not spent scrolling is one more minute playing.

Security and Transparency Keep Gamers Loyal

Skepticism around digital goods is only natural when you’re entering codes worth fifty or even a hundred dollars. Digital marketplaces have worked hard to build trust by publishing clear security guarantees, requiring third-party merchant verification, and setting strict standards for compliance and sourcing. Buyers know that when issues arise, support teams are ready to step in, a far cry from faceless classified ads or auction sites.

Transparency is a dealbreaker for many. Region-locked codes? Out-of-stock hardware? Sites that label everything clearly and show purchase history on demand find it easier to retain picky shoppers. Gamers remember who wasted their time and who made the experience simple.

Flexibility for Modern Gaming Lifestyles

Physical games and hardware still have a place, but the digital approach caters to how gamers actually live and play. Swapping consoles with friends, jumping from PC to mobile, and redeeming codes while traveling all become easier with digital ownership. The global reach of digital marketplaces makes it possible to find rare or region-specific gear and content not available locally.

With the cycle of new releases and old favorites never ending, staying ahead of the next hot thing is less stressful when your shopping list can be satisfied in one place. Digital marketplaces like Eneba, offering deals on all things digital, continue to reshape how players discover, buy, and enjoy what they love most.

#Savvy #Gamers #Embracing #Digital #Marketplaces #Gear #GamesAndroid Gaming,console gaming,desktop gaming

Tim Cook is finally stepping down as Apple’s CEO after 15 years at the helm. On Thursday, his recently named successor, John Ternus, made his first earnings call cameo as the incoming CEO and gave a veiled glimpse into what Apple enthusiasts could expect from his tenure.

“We have an incredible roadmap ahead, and while you’re not going to get me to talk about the details of that roadmap, suffice it to say, this is the most exciting time in my 25-year career at Apple to be building products and services,” Ternus told investors.

When asked about his advice for Ternus, Cook said to “never forget” that Apple users are “the North Star for the company.”

“We’re about making the best products in the world that really enrich other people’s lives. And if you keep focusing on that and make your decisions around that, it will produce a great business, and we’ll be able to build more products and do it all over again,” Cook said on the call. “Our roadmap is incredible, and most importantly, we have the right leader ready to step into the role. As I have said, there is no one on this planet I trust more to lead Apple into the future than John Ternus.”

Ternus’s term as CEO will begin in September. Though the executives are keeping the product roadmap secret for now, a foldable iPhone is expected, and Apple wants Ternus to be the face people associate with it.

In his current role, Ternus leads the company’s hardware engineering efforts. The prospect of having a hardware specialist in charge has excited Apple fans who have been unsatisfied with what they claim is a slowdown of innovation in product releases. Cook has been blamed for this lack of revolutionary changes.

But while he may not have been as innovative as Steve Jobs, Cook oversaw the company’s transition into a trillion-dollar behemoth four times over. On Thursday’s earnings call, Ternus promised to continue Cook’s style of financial leadership.

“One of the hallmarks of Tim’s tenure has been a deep thoughtfulness, deliberateness, and discipline when it comes to the financial decision-making of the company, and I want you to know that is something Kevan and I intend to continue when I transition into the role in September,” Ternus told investors (Kevan being Apple CFO Kevan Parekh).

Apple is already promoting Ternus’ hardware engineering prowess as a benefit for the company. On the call, Cook shared that the iPhone 17 family, which was spearheaded by Ternus, is currently the most popular product lineup in Apple’s history.

Products aside, Ternus will also have a lot to answer for on the artificial intelligence side. The tech giant has been taking things slow on AI, while peers like Google and Microsoft soar past with AI innovations. The company has long promised a major leap in AI with an enhanced Siri, but had to push back the release at the very last minute in March 2025. The delay disappointed fans, reportedly caused an internal rift at the company, and even led to federal lawsuits accusing Apple of false advertising. The personalized Siri was expected to arrive early this year, but was reportedly delayed yet again.

In the call, Cook reiterated that the “more personalized Siri” would still be revealed later this year.

#Apples #Incoming #CEO #Earnings #Call #DebutApple,john ternus">Apple’s Incoming CEO Makes His Earnings Call Debut Tim Cook is finally stepping down as Apple’s CEO after 15 years at the helm. On Thursday, his recently named successor, John Ternus, made his first earnings call cameo as the incoming CEO and gave a veiled glimpse into what Apple enthusiasts could expect from his tenure. “We have an incredible roadmap ahead, and while you’re not going to get me to talk about the details of that roadmap, suffice it to say, this is the most exciting time in my 25-year career at Apple to be building products and services,” Ternus told investors. When asked about his advice for Ternus, Cook said to “never forget” that Apple users are “the North Star for the company.” “We’re about making the best products in the world that really enrich other people’s lives. And if you keep focusing on that and make your decisions around that, it will produce a great business, and we’ll be able to build more products and do it all over again,” Cook said on the call. “Our roadmap is incredible, and most importantly, we have the right leader ready to step into the role. As I have said, there is no one on this planet I trust more to lead Apple into the future than John Ternus.” Ternus’s term as CEO will begin in September. Though the executives are keeping the product roadmap secret for now, a foldable iPhone is expected, and Apple wants Ternus to be the face people associate with it. In his current role, Ternus leads the company’s hardware engineering efforts. The prospect of having a hardware specialist in charge has excited Apple fans who have been unsatisfied with what they claim is a slowdown of innovation in product releases. Cook has been blamed for this lack of revolutionary changes. But while he may not have been as innovative as Steve Jobs, Cook oversaw the company’s transition into a trillion-dollar behemoth four times over. On Thursday’s earnings call, Ternus promised to continue Cook’s style of financial leadership. “One of the hallmarks of Tim’s tenure has been a deep thoughtfulness, deliberateness, and discipline when it comes to the financial decision-making of the company, and I want you to know that is something Kevan and I intend to continue when I transition into the role in September,” Ternus told investors (Kevan being Apple CFO Kevan Parekh). Apple is already promoting Ternus’ hardware engineering prowess as a benefit for the company. On the call, Cook shared that the iPhone 17 family, which was spearheaded by Ternus, is currently the most popular product lineup in Apple’s history. Products aside, Ternus will also have a lot to answer for on the artificial intelligence side. The tech giant has been taking things slow on AI, while peers like Google and Microsoft soar past with AI innovations. The company has long promised a major leap in AI with an enhanced Siri, but had to push back the release at the very last minute in March 2025. The delay disappointed fans, reportedly caused an internal rift at the company, and even led to federal lawsuits accusing Apple of false advertising. The personalized Siri was expected to arrive early this year, but was reportedly delayed yet again. In the call, Cook reiterated that the “more personalized Siri” would still be revealed later this year. #Apples #Incoming #CEO #Earnings #Call #DebutApple,john ternus

John Ternus, made his first earnings call cameo as the incoming CEO and gave a veiled glimpse into what Apple enthusiasts could expect from his tenure.

“We have an incredible roadmap ahead, and while you’re not going to get me to talk about the details of that roadmap, suffice it to say, this is the most exciting time in my 25-year career at Apple to be building products and services,” Ternus told investors.

When asked about his advice for Ternus, Cook said to “never forget” that Apple users are “the North Star for the company.”

“We’re about making the best products in the world that really enrich other people’s lives. And if you keep focusing on that and make your decisions around that, it will produce a great business, and we’ll be able to build more products and do it all over again,” Cook said on the call. “Our roadmap is incredible, and most importantly, we have the right leader ready to step into the role. As I have said, there is no one on this planet I trust more to lead Apple into the future than John Ternus.”

Ternus’s term as CEO will begin in September. Though the executives are keeping the product roadmap secret for now, a foldable iPhone is expected, and Apple wants Ternus to be the face people associate with it.

In his current role, Ternus leads the company’s hardware engineering efforts. The prospect of having a hardware specialist in charge has excited Apple fans who have been unsatisfied with what they claim is a slowdown of innovation in product releases. Cook has been blamed for this lack of revolutionary changes.

But while he may not have been as innovative as Steve Jobs, Cook oversaw the company’s transition into a trillion-dollar behemoth four times over. On Thursday’s earnings call, Ternus promised to continue Cook’s style of financial leadership.

“One of the hallmarks of Tim’s tenure has been a deep thoughtfulness, deliberateness, and discipline when it comes to the financial decision-making of the company, and I want you to know that is something Kevan and I intend to continue when I transition into the role in September,” Ternus told investors (Kevan being Apple CFO Kevan Parekh).

Apple is already promoting Ternus’ hardware engineering prowess as a benefit for the company. On the call, Cook shared that the iPhone 17 family, which was spearheaded by Ternus, is currently the most popular product lineup in Apple’s history.

Products aside, Ternus will also have a lot to answer for on the artificial intelligence side. The tech giant has been taking things slow on AI, while peers like Google and Microsoft soar past with AI innovations. The company has long promised a major leap in AI with an enhanced Siri, but had to push back the release at the very last minute in March 2025. The delay disappointed fans, reportedly caused an internal rift at the company, and even led to federal lawsuits accusing Apple of false advertising. The personalized Siri was expected to arrive early this year, but was reportedly delayed yet again.

In the call, Cook reiterated that the “more personalized Siri” would still be revealed later this year.

#Apples #Incoming #CEO #Earnings #Call #DebutApple,john ternus">Apple’s Incoming CEO Makes His Earnings Call DebutApple’s Incoming CEO Makes His Earnings Call Debut Tim Cook is finally stepping down as Apple’s CEO after 15 years at the helm. On Thursday, his recently named successor, John Ternus, made his first earnings call cameo as the incoming CEO and gave a veiled glimpse into what Apple enthusiasts could expect from his tenure. “We have an incredible roadmap ahead, and while you’re not going to get me to talk about the details of that roadmap, suffice it to say, this is the most exciting time in my 25-year career at Apple to be building products and services,” Ternus told investors. When asked about his advice for Ternus, Cook said to “never forget” that Apple users are “the North Star for the company.” “We’re about making the best products in the world that really enrich other people’s lives. And if you keep focusing on that and make your decisions around that, it will produce a great business, and we’ll be able to build more products and do it all over again,” Cook said on the call. “Our roadmap is incredible, and most importantly, we have the right leader ready to step into the role. As I have said, there is no one on this planet I trust more to lead Apple into the future than John Ternus.” Ternus’s term as CEO will begin in September. Though the executives are keeping the product roadmap secret for now, a foldable iPhone is expected, and Apple wants Ternus to be the face people associate with it. In his current role, Ternus leads the company’s hardware engineering efforts. The prospect of having a hardware specialist in charge has excited Apple fans who have been unsatisfied with what they claim is a slowdown of innovation in product releases. Cook has been blamed for this lack of revolutionary changes. But while he may not have been as innovative as Steve Jobs, Cook oversaw the company’s transition into a trillion-dollar behemoth four times over. On Thursday’s earnings call, Ternus promised to continue Cook’s style of financial leadership. “One of the hallmarks of Tim’s tenure has been a deep thoughtfulness, deliberateness, and discipline when it comes to the financial decision-making of the company, and I want you to know that is something Kevan and I intend to continue when I transition into the role in September,” Ternus told investors (Kevan being Apple CFO Kevan Parekh). Apple is already promoting Ternus’ hardware engineering prowess as a benefit for the company. On the call, Cook shared that the iPhone 17 family, which was spearheaded by Ternus, is currently the most popular product lineup in Apple’s history. Products aside, Ternus will also have a lot to answer for on the artificial intelligence side. The tech giant has been taking things slow on AI, while peers like Google and Microsoft soar past with AI innovations. The company has long promised a major leap in AI with an enhanced Siri, but had to push back the release at the very last minute in March 2025. The delay disappointed fans, reportedly caused an internal rift at the company, and even led to federal lawsuits accusing Apple of false advertising. The personalized Siri was expected to arrive early this year, but was reportedly delayed yet again. In the call, Cook reiterated that the “more personalized Siri” would still be revealed later this year. #Apples #Incoming #CEO #Earnings #Call #DebutApple,john ternus

Tim Cook is finally stepping down as Apple’s CEO after 15 years at the helm. On Thursday, his recently named successor, John Ternus, made his first earnings call cameo as the incoming CEO and gave a veiled glimpse into what Apple enthusiasts could expect from his tenure.

“We have an incredible roadmap ahead, and while you’re not going to get me to talk about the details of that roadmap, suffice it to say, this is the most exciting time in my 25-year career at Apple to be building products and services,” Ternus told investors.

When asked about his advice for Ternus, Cook said to “never forget” that Apple users are “the North Star for the company.”

“We’re about making the best products in the world that really enrich other people’s lives. And if you keep focusing on that and make your decisions around that, it will produce a great business, and we’ll be able to build more products and do it all over again,” Cook said on the call. “Our roadmap is incredible, and most importantly, we have the right leader ready to step into the role. As I have said, there is no one on this planet I trust more to lead Apple into the future than John Ternus.”

Ternus’s term as CEO will begin in September. Though the executives are keeping the product roadmap secret for now, a foldable iPhone is expected, and Apple wants Ternus to be the face people associate with it.

In his current role, Ternus leads the company’s hardware engineering efforts. The prospect of having a hardware specialist in charge has excited Apple fans who have been unsatisfied with what they claim is a slowdown of innovation in product releases. Cook has been blamed for this lack of revolutionary changes.

But while he may not have been as innovative as Steve Jobs, Cook oversaw the company’s transition into a trillion-dollar behemoth four times over. On Thursday’s earnings call, Ternus promised to continue Cook’s style of financial leadership.

“One of the hallmarks of Tim’s tenure has been a deep thoughtfulness, deliberateness, and discipline when it comes to the financial decision-making of the company, and I want you to know that is something Kevan and I intend to continue when I transition into the role in September,” Ternus told investors (Kevan being Apple CFO Kevan Parekh).

Apple is already promoting Ternus’ hardware engineering prowess as a benefit for the company. On the call, Cook shared that the iPhone 17 family, which was spearheaded by Ternus, is currently the most popular product lineup in Apple’s history.

Products aside, Ternus will also have a lot to answer for on the artificial intelligence side. The tech giant has been taking things slow on AI, while peers like Google and Microsoft soar past with AI innovations. The company has long promised a major leap in AI with an enhanced Siri, but had to push back the release at the very last minute in March 2025. The delay disappointed fans, reportedly caused an internal rift at the company, and even led to federal lawsuits accusing Apple of false advertising. The personalized Siri was expected to arrive early this year, but was reportedly delayed yet again.

In the call, Cook reiterated that the “more personalized Siri” would still be revealed later this year.

#Apples #Incoming #CEO #Earnings #Call #DebutApple,john ternus

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