Will You Lease Your Next iPhone With Apple Upgrade? - DTNS 5319

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2:26This is the Daily Tech News for Tuesday, July 28th, 2026. We tell you what you need to know, give you the important context on all of it, and help each other understand. Today, Apple invites you to lease your next iPhone and Mac instead of buying them outright. And is Apple about to step up its smart home game? Yeah, there's a lot of Apple news apparently today. I'm Jason Howell to talk about part of it. I'm Jen Cutter. All right, let's start with what you need to know with the big stories.

2:57because I basically clumped the Apple stuff together, mostly. So let's dive in. The first thing, though, getting a lot of attention right now, Apple's upgrade, the launch of a new kind of program called Apple Upgrade in the U.S. today, anyways. It's a Klarna-backed leasing program, and it officially replaces the iPhone upgrade program and iPhone payments. So this new program offers lower monthly prices to lease most of those iPhones, iPads, Macs, Apple Watches that Apple sells. iPhones are unlocked, but carrier activated via AT &T, Verizon, and T-Mobile here in the U.S. Carry optional AppleCare Plus or AppleCare One coverage.

3:48And then at the end of the lease term, because this is a lease, and that's what's kind of interesting here. At the end of that term, you can either choose to return the device that you were leasing. You can upgrade to a new lease. So kind of like keep the ball rolling and get a new device. Or pay a purchase fee that equals the remaining difference to own the hardware outright for yourself. So you've got some options. Klarna, which is a company that's very known for its buy now, pay later services, in this case is charging no financing fees in the program. Missed payments actually roll forward instead of triggering any late fees, that sort of stuff.

4:30So it's kind of like a leasing program that at the end of the day, you can end up owning the hardware without paying more potentially than you would have if you had just bought it with cash, essentially. And yeah, just as like a cost example, 256 gig iPhone 17 Pro normally costs$1 ,100. You could lease it for$32 a month across a 24-month period,$46 a month across a 12-month period. And then if you're going MacBook Pro on kind of like the other end of the scale with their laptop, 16 gig, 14-inch MacBook Pro, about$2 ,000 is the normal cost. You can lease it for around$40, like$39 per month across a 36-month lease or$50 per month across 24 months.

5:18I'm not a leaser. I don't know that I've ever leased anything. Have you, Jen? Like, is this, what do you think about this? So for most of her working life, my mom was an accountant. And the lesson drilled into my head when I first started getting credit cards and stuff. Mom's like, you need a credit card. You have to build your credit rating. Do not lease. Do not borrow. Do not cash advance. Like, come to me first. Under no circumstances do you do this. Even if you're in trouble, you come tell me. So in my head, like even for - That's a good lesson, I think. Yeah, I think her only exception later in life was like, sometimes for cars, it can be worth it if you don't want to deal with maintenance and you know you're not keeping it.

5:57But for this, like I am sure yourself and many of our listeners, you're the ones helping your family and friends with major purchases like this because they don't want to get it wrong. They're like, well, you know, you come with me. I have a friend about to buy, upgrade his iPad. And we're looking at the cost and like he heard that this was coming. Now, we don't have this in Canada, so I do not have to advise him pro or con on this. So this is just in the United States. That's right. And he's like, oh, man, like that money is so attractive right now. Especially it's like not everyone has that upfront money.

6:32But if your phone is dying and you know you want this phone, this becomes a really attractive option, especially with the no fees and you – like that missed payments roll forward. I didn't know that companies did that. Well, it makes me wonder like if there's no financing fees, like what is Klarna getting out of this? Right? I'm thinking like, man, there's got to be some fine print somewhere. But again, like that's because of my mom drilling this stuff in my head. I was like, okay, I'm going to have to go through these terms because I am so curious. But also U.S. financing rules and Canadian financing rules are kind of different.

7:07We have different fine prints. So, of course, they're going to focus on the U.S. market first. And also, it's a huge market. So, yeah, yeah, it is. They're not testing in a smaller nation, which sometimes they do first. Yeah, that's a good point. And there might be a reason, you know, reasons for that, I'm sure. This does mean that Apple is shutting down new enrollments in the iPhone upgrade program. And that was a system that basically meant that consumers who bought into that system would own the device after 24 payments. That's now gone from checkout. But like I said, you could do, to my understanding of this process or this program, you could do the lease and then at the end of your time, pay the difference if you choose to, to own the device.

7:52And it's not like you're paying extra to do that. Like, oh, it's a 10 % markup or something like that for the convenience of doing it this way. You literally pay the rest of the value of the device and you own the device. So, okay. I mean, okay. Still, I just have a weird feeling about leasing anything. Same with you, Jen. I've lived my life, and I couldn't even tell you who it came from, because, I mean, maybe it came from my parents, but I can't remember them wagging their fingers saying, Jason, don't you ever lease anything. But I did watch their example, and they never leased anything. They always bought outright, or they did a loan for a car or whatever.

8:34So yeah, I don't know where that came from. So when I see the term lease, I immediately kind of like retract a little bit. I'm like, I don't know. And like keeping it, keeping those options available with AppleCare Plus and AppleCare One. And one is the one where you just have like your group of products all together, right? That's a good question. I'm not as deep into the Apple ecosystem on that regard. I certainly have never bought that before. But like that stuff to me would be critical with the lease because with that being optional, and not like mandatory. If you have your leasing thing and you bust your phone, you bust your wash, I'm assuming the lease continues if you do not have that coverage.

9:15But also in a lot of cases, AppleCare Plus is included for a year. So again, I'm thinking, what does Klarna get out of this? What does Apple get out of this? I guess Apple gets the sale theoretically at the end and money coming in for the device and possibly it being returned. But what's the return for Apple for selling those older products because this is for years. Yep. Yep. Well, on the other side of the Apple world, we've got Bloomberg's Mark Gurman, who always has some interesting things to share with the world of Apple, sharing today that Apple is prepping a Siri-powered smart home hub with a seven-inch display, facial recognition, security controls, and it'll be running a new operating system that's apparently derived from Apple's tvOS, but the interface apparently inspired by interface elements from watchOS and iOS.

10:09So they're just borrowing from all over the place. So think of this as Apple's version of devices like the Amazon Echo Show or the Google Nest Hub, which have screens. Apple here is planning, according to German, two versions, one with a screen and a half dome base that's similar to if you think about like a home pod mini sliced in half that sort of thing for the base the other is a wall mounted design so it has this unique magnetic mounting system so i wonder if that means you can like take the thing off the the wall and put it back or something like that i'm not sure on that both devices supporting facetime calls monitoring home security devices, offering intercom functionality, smart appliance controls, bunch of watchOS inspired clock faces, like watch faces, but on the wall sort of thing.

11:04So yeah, I mean, I don't think this is the absolute first time we've heard of this rumor, but this is, you know, coming from Mark Gurman, who is a very, has a very, very strong track record when it comes to Apple rumors. And apparently we might see this as soon as September. That would be definitely fast. And I hope they improve watchOS by then because it's my least favorite part about the watch is I know it's so customizable, but it's not customizable in the way I want it to be. I want slightly different buttons. I want to put more on my main screen, but that's because I use it for hockey and a bunch of random things.

11:41I'm like, that's a me problem, not an Apple problem. They are taking hockey seriously enough. Well, there's only one like really good hockey tracking app. And that is my lifeblood right now for summer training. But to talk about this thing, I kind of love the old school thought about the intercom functionality. Yes, totally. You got one upstairs, one downstairs. Because like some of my friends have really old houses and they have those things built into the wall where you have to walk up to it and press a button like it's an old movie. And I'm like, oh, I love that. And they're like, it doesn't work and we hate it.

12:13Yeah, right, right. The promise doesn't deliver. Yeah. I mean, I've even been into houses not that long ago, a handful of years ago, where they had a very professionally embedded iPad in the wall. And it does a lot of these things for their home control and controlling the music system and intercom and and stuff like that and you know so i'm sure that was you know that was just an ipad kind of set up to do some of these things this is going to be more purpose built it sounds like and probably pretty slick i mean yeah and i think it's also kind of a signal to people some of the reaction has been like oh okay cool apple you're finally taking the smart home more seriously and you're not gonna have to wait too long for that to happen yeah i run a dumb home on purpose i'm I'm currently trying to buy a dumb TV, which is hard because you basically have to look at panels.

13:09And panels are expensive right now. But for people into this, I always look at the stuff like, man, this would make my parents' life easier because they want a new security system and all this stuff. And you can't really buy dumb appliances easily anymore because they're looking at moving. So I'll keep an eye on it grudgingly. There you go. Thanks a lot, Mark Gurman. DTNS is made possible by you, the listener and watchers. Thanks to Mike Cortez, Bill Russell, Erwin Sturr, and Chris Larson. Thank you, thank you, thank you. Thank you, thank you.

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16:24All right, there's more we need to know today. Let's get to the briefs. All right, we've got Microsoft is launching Project Perception, an agentic security system that runs three coordinated classes of AI agents in a tight loop. Red agents probe for vulnerabilities, blue agents investigate and rank the risks, and green agents fix defenses automatically. Microsoft is framing this as a new cyber stack build for AI speed attacks. The system is designed to pull data across identities, endpoints, apps, data, clouds, and AI systems and take direct action based on what it finds instead of creating alerts that have to be acted upon as a separate step.

17:11At the core is Microsoft's custom MyCyberOne Flash model, plugging into its MDash vulnerability management product. It currently scores 96 % on the CyberGym benchmark for vulnerability assessment. Anthropics Mythos, by comparison, scored 12 points lower. Microsoft says its configuration cuts M - operating costs by around 50 % because it routes its work across varied frontier models and specialized cyber models, meaning it's not pushing everything through one singular and potentially expensive model. The system will go into public preview on August 3rd.

18:16Microsoft approaching this from a different angle with its kind of very, you know, kind of group of agents focused on a different part, not focusing entirely on one single model to do all the work, but kind of distributing that work out depending on which model is good for what part. And, you know, apparently the benchmarks are good. I always feel weird about benchmarks because they're just like numbers to me. But we'll see if it actually translates to some sort of like real world performance for the companies that might implement something like this. Which we will know sooner than later, because August 3rd, man, that feels fast.

18:51It's like when someone announces a game and it's out next week. Yay! I know. Oh, yay! You can have all those colorful agents working for your company. Oh, yay. Yeah, and I'm sure some market is going to be betting, okay, when does this get pulled after August 3rd? Because Frontier models show up and disappear. Yeah, yeah, yeah. Yeah. And I do also think like this is an interesting time for this stuff because and it's certainly a topic that's come up on this show repeatedly is that as these models progress and as they become more capable at, you know, the threat or the fear that people have is, oh, people are going to use these AI models for attacks.

19:31And we've certainly heard about that happening, right, either intentionally or not intentionally when we're talking about the hugging face thing that's been happening the last couple of weeks. But those things are happening, have the potential to happen so fast and so rapidly that these security teams are feeling very overwhelmed by just the amount of influx of these reports and everything. So having models, having systems like this that can kind of meet that speed and that reaction time is just increasingly more and more important. So Microsoft's playing the game. well um first of all apologies in advance uh because i'm pretty certain i'm gonna get pronunciation wrong on a few things but i tried my best to kind of help myself in advance so i apologize i hope i get most of it right but motorola released a new indigenous collections android app it's meant to document and preserve the ojibwe language and community knowledge Ojibwe.

20:32Sorry, that's how it's pronounced. Ojibwe. It's co-created with members of the Rainy Lake Ojibwe community, and it brings narrated elder stories, searchable vocabulary, interactive maps of important landmarks, a family tree feature, apparently, inside of the app experience. And basically, it's a preservation effort available in the Play Store for free for Android devices in both English and Anishinabemowin. See, I even tried with phonetic spelling here. Languages. Now, this is the latest step in Motorola's Indigenous Languages Initiative with the Lenovo Foundation. This apparently started back in 2021.

21:16I was very unaware of this until I came across this story. That is when Motorola became the first phone maker to fully support the endangered Amazonian language Ningatu in a smartphone interface. Since that release, Motorola's added support for Kangen, Cherokee, Maori, Congri, Kuvi, Laden, and Zapotec. And Motorola says that since it launched this effort, it's made nearly two million words from indigenous and minority languages openly available to support preservation efforts, research, and future unreleased tech products. And like I said, I was surprised to see this. I was like, wow, look at Motorola.

21:59This is noble and interesting and I believe important to do this. And it doesn't seem like it's just like a, oh, we're just going to do this to get the PR hit and then move on and never talk about it. They've been doing this since 2021. It's clear that it's a commitment that they've made and that they continue to kind of lean into. I think it's really cool. Yeah. The part I really love is the fact that it includes some stories. Elder stories are – I grew up in Canada. We also have an interesting relationship with Indigenous tribes. But what was available to me was a ton of translations of elder stories and creation stories and stories throughout the years.

22:44I have a surprisingly good collection of Indigenous stories that I loved. And as I got older, there was a little bit of controversy about it because a lot of them were done by people not affiliated with these groups. And that has improved over the past years as more resources have been available to make it available from the source. And the fact that this tech now exists to aid that for people who are interested enough to learn, for people not necessarily living in an area with the rest of their tribe, can practice, can work without travel, without having to do everything over Zoom. and I mean I love that this like this is stuff because it's tech feels a little easier to preserve even if this goes away in the future it's still going to be more available and more accessible to people who can't get the books who can't be in person who can't take classes and stuff so I do think this is a pro for preservation and also for people just being able to use devices in their own language yeah absolutely that right like it's so easy to um like I haven't really considered maybe to the level that I should have prior to this, how are these mobile phones that are translated into a number of different languages that we're used to saying, oh, it's in English, it's in Japanese, Chinese, French, or whatever.

24:11But the indigenous languages are also important, right? And there's an accessibility and inclusion piece to this story that I just, for better or for worse, I hadn't really considered on a deeper level until I read this news. I was like, you know what, that's super cool. And it's cool that they're committed to it. And it's not just this, like I said, this quick, like, I will do it for PR and then move on. Yeah, well, using stuff in languages is important. And I recently had an experience with this. So my last surviving great aunt is 82. And her son finally convinced her to get a smartphone, not just the home phone, which we've always been calling her on with an actual tape answering machine that I love works.

24:51But the setup, when she had it, she wanted to read it in Arabic, which was great for her and less great for us trying to help her with it. So she's like, fine, French. I was like, okay, great. So I can work in French and your son can work in French. But yeah, you know, growing up, my parents, specifically for me, I don't know what his deal was, but did not want me to have an accent. So it was like English all the time and French. And yeah, so being able to use these devices in the language that you are comfortable with, in the language you want to keep using, huge, absolutely huge. And reinforcing that language too, because as we know, with these languages in particular, like they are increasingly at risk of disappearing and disappearing forever.

25:38And so this is yet another way to kind of reinforce the existence and, you know, that they deserve to be respected and be implemented, you know, integrated. In a different story, we have Model Context Protocol. The open standard for AI agents originally created by Anthropic shipped its biggest overhaul yet with some important new technical and policy changes. The new features are aimed at making AI agents more practical at large enterprise scale with changes to how MCP stores state and handles security. The new update makes MCP stateless. That means AI agents no longer depend on a single server that can drop their work when it goes offline.

26:23Instead, companies can run MCP on their normal cloud setups and Kubernetes clusters at scale. The update also addresses safety and trust with a formal 12-month deprecation policy to keep features from being removed on short warning, and tighter security that lines up MCP with how OAuth and OpenAI Connect work in products. A new enterprise-managed authorization extension, built in collaboration with Okta, allows companies to require corporate logins for MCP access so those agents don't send data to the wrong places. And finally, MCP apps and MCP tasks are now promoted to official extensions, meaning those agents can have app-like interfaces and reliably run longer tasks.

27:11The updates go into effect immediately, so it's another real quick drop. Yeah, super quick drop. And yeah, MCP in a short amount of time has just become a real backbone and a real kind of one of those things that when a new AI system that has anything to do with agents comes out, I know for myself, I'm immediately looking to see if MCP is supported because it just opens up the playing field for really easy interoperability between different services that plug in those data sources into these systems and everything. It's just, you know, Anthropoc created this thing. It quickly became a standard.

27:49I think they created it in November, 2025, and then ended up donating it to the Agenic AI Foundation under the Linux Foundation a month later. And ever since, you know, it could have just been a standard or a specification that some company created and then they were the only ones always pushing it. Instead, it just became this widely adopted thing that now is everywhere. And so, yeah, some of this, some of this, I will admit, like is a little outside of my understanding because it's really tied towards towards enterprise use. And so I'm sure there are people, maybe even some of you watching or listening right now who can send us an email and let us know what you think about this.

28:30if this touches into your business, feedback at dailytechnewsshow.com. But I think MCP improvements are worth talking about because it's so critical to how AI agents run today. I was totally wrong on where I thought MCP was going to go. There is the classic XKCD comment of, and we need a standard. And now there are 15 competing standards. Yes, right. Yeah, totally. This one just was so far out in front and I don't think anyone's touching it now. No, no, it really has become the thing, the standard there. So there you go. So, yes, tell us about it if you are using it since it dropped today. So we might get letters as early as next week.

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29:57and layered reasoning with live API checks, it doesn't just help buyers find a car they love. It helps schedule a test drive, get pre-approved for financing, and estimate trade in value. Advanced, intuitive, and deployed. That's how they stack. That's technology at Capital One. Hi, this is Kim and Penn Holderness from the Laugh Lines podcast. This episode is sponsored by Oli, your wellness partner for back to school and beyond. Back to school season is here. Packed backpacks, packed lunches, and packed schedules are officially back. Ollie Kids Sleep helps little dreamers wind down with a gentle blend of melatonin, L-theanine, and botanicals for restful sleep.

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31:06All right, now we got a few quick headlines that are good to know, might make you look smarter in the future. Apple has passed NVIDIA again to reclaim the title of world's most valuable public company. with its market cap hitting around$4.94 trillion against NVIDIA's$4.83 trillion. Like, clearly an insurmountable cap. This crowd has been jostling back and forth for months, so you'll hear us talking about it next time. It swaps. Yeah, it just goes up, goes down. iOS 26.6 and macOS 26.6 update out now. patches more than 75 iPhone bugs, more than 150 on the Mac, including kernel flaws that could let an attacker run code or grab root access.

31:52So go get your update. Thanks to R.W. Nash in the subreddit, three people are suing Apple, claiming a fake Sparrow Bitcoin wallet app in the App Store tricked them into handing over seed phrases and drained about$1.8 million combined, while the developer of the app says he warned Apple about scam copies a year ago. Interesting. A Wired reported investigation from AI Forensics found seven of the nine most popular image editing tools on Hugging Face would nudify photos on request of more than a thousand user prompts, tests that the group collected and tested. 95 % targeted women. only 3 % of those tools had any output moderation whatsoever.

32:41And I'm going to interrupt with a slight PSA here. I have friends who work in victim services. This is a terrible epidemic right now. If you have friends who you know are using this, or you think they may be using it, you talking to them is actually the most effective way to get this to at least slow down. If not, well, stop is a big goal, but slowing down would be huge. So keep an eye on your friends. Yep. Indeed. Chat GPT now refuses to write in a named author style, living or dead, citing copyright as the company faces a number of copyright related lawsuits. It will now suggest the writing that captures the feeling of the author's typical style, incorporating the common features presented by the asked for author.

33:26So we'll find out whether that's a sizable enough change. Yeah, I was going to say, so how much is changing here? I don't know. I guess we'll find out. In a post on the Anthropic site, CEO Dario Amadei says Anthropic has never called for banning open-weight AI models, lest you think they had, and that ones without dangerous capabilities are actually a public good. He says he'd rather see chip export controls, a crackdown on distillation, and mandatory safety testing for the powerful stuff instead. WhatsApp now supports audio and video calls in its web app found in a new calls tap with support for HD video, call transfer between devices and waiting rooms for group calls.

34:09OK, through your app browser, apparently now. Meta and BlackRock building a$14 billion AI data center campus in El Paso, Texas. BlackRock managed funds, owning 80%. Meta is leasing back the whole thing to run it. Reuters says Amazon is reportedly killing off most of its Nova AI models, including Premiere, Omni, Canvas and Real, to focus its resources on a new frontier model. And China's homegrown deep ultraviolet lithography tool finally now has a name, Shanghai Aisheng Neh. It's built by a state-owned company pulled together from several domestic lithography startups. It's still far behind ASML's gear, but it gives Chinese chip makers a backup source if export rules tighten any further.

35:01And finally, Pocket Casts is now on Apple TV. Free with the same synced listening history and up next cue you get on your phone or watch. Android TV support is coming later. Love me some Pocket Casts. That's my preferred app of choice. So good to see. We end every episode of DTNS with some shared perspectives today. Razvan Stan has some insight on why France included WhatsApp in its age restrictions. Hello from France. In response to the question from DTNS 5315 about why France added WhatsApp to the list of social network apps that children under 15 cannot use, I believe the reason is that Meta managed to turn WhatsApp into more than just a messaging app.

35:48They slipped in the social networking aspects from Facebook and Instagram through the Actis section. My app is in French, where it's called Actis, so I'm not sure what it's called in English, as well as Meta AI. As far as I know, there's no way to disable either of those features. Because of that, WhatsApp is no longer just a messaging service. It also includes social media features, which could explain why it ended up on the list. Cordillement, Raz Van Stan. Cordillement. Nice. That sounded so good. I would have had a hard time with that one. Yeah. Yeah. I mean, you know, these apps, the like communication and messaging apps, that's been happening a lot where suddenly they're being infused with like these AI and social features.

36:35I wonder if that kind of gets unwound a little bit as more and more of this happens. Like I'm just now thinking of actually on my Android device, you know, Google messages that ships with most Android phones that all of text messaging is basically done through for the most part. It has AI integration into it. Is that going to, at some point, be kind of falling into a similar situation? That would be weird. That would be very not a good thing for Google if that were to happen, but I guess it's probably still different enough. Yeah, we're seeing a lot of things added to these lists, and we will be on top of it if anything starts getting removed as changes happen in the future.

37:15Yes, indeed. So what are you thinking about? Do you have some insight into a story? Please share it with us over at feedback at dailytechnewshow.com. Yes, thanks again to Razvan Stan for contributing to today's show. Thank you for being along for Daily Tech News Show. You can keep us in business by becoming a patron. It's patreon.com slash DTNS. See you tomorrow.

37:49The DTNS family of podcasts, helping each other understand. Diamond Club hopes you have enjoyed this program.

38:02This episode is brought to you by Capital One. Capital One's tech team isn't just talking about multi-agentic AI. They already deployed one. It's called Chat Concierge and it's simplifying car shopping. Using self-reflection and layered reasoning with live API checks, It doesn't just help buyers find a car they love. It helps schedule a test drive, get pre-approved for financing, and estimate trade-in value. Advanced, intuitive, and deployed. That's how they stack. That's technology at Capital One. Morning Brew Daily breaks down the biggest news in business every morning so it fits seamlessly in your day.

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