<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>dgudkov</author><text>One of the most successful examples of bundling is Microsoft&amp;#x27;s enterprise plans. For instance, the top E5 plan includes so much enterprise software for so low price that it creates the perception of free software. MS Office? Free. Power BI? Free. Etc.&lt;p&gt;Tableau, which I believe is a more sophisticated data visualization application is getting squeezed out from enterprise accounts. Why? Because Power BI is &amp;quot;free&amp;quot;.&lt;p&gt;Bundling is a huge power.</text><parent_chain></parent_chain></comment><story><title>2020 Bundles</title><url>https://stratechery.com/2020/2020-bundles/</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>charliemil4</author><text>&amp;gt; The problem is that Apple’s financing programs — both the one pictured above, and also the iPhone Upgrade Program — continue to be funded by 3rd-parties; Apple is making it easier to buy an iPhone, but is still focused on getting its money right away. And, as long as it sticks with this approach, its Apple One bundle feels more like a money-grab, and less like a strategic driver of the business.&lt;p&gt;To me, I see this as a finance play. Since rates are near zero (and will be for some time), you can effectively leverage your revenues on both ends: servicing debt and factoring accounts receivable.&lt;p&gt;Since Apple&amp;#x27;s customers are usually high income buyers, the AR ratings are already high, combined with low rates, means Apple gets 95%+ of the revenues up front. I&amp;#x27;m not sure what period for the new subscriptions they have (whether its a quarterly or annual period), but whatever it is, it&amp;#x27;s genius.</text><parent_chain></parent_chain></comment><story><title>2020 Bundles</title><url>https://stratechery.com/2020/2020-bundles/</url></story>