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iEmpire limited in countries without credit infrastructure

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Quote from Horace Dediu today on the inexorable growth of Apple’s ecosystem.

If there is one obstacle to the iEmpire it’s the addressability of markets which lack consumer credit infrastructure. I suspect, however, that these problems are not unsurmountable given that telecom infrastructure leapfrogged credit infrastructure growth with nary a ripple. Apple could certainly offer that service directly to the consumer.

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