The news: Apple Pay Later will be "launching soon," according to CEO Tim Cook, who told CNBC that Apple employees are beta testing the buy now, pay later (BNPL) feature.

Wait is nearly over: Apple introduced Apple Pay Later in June. It lets users split Apple Pay purchases into four interest-free installments spread over six weeks.

But after Apple delayed the offering's anticipated September 2022 rollout, it didn't give a new launch date. Technical difficulties and impending BNPL regulation may have scuttled the launch.

The market picture: Apple can capitalize on the US BNPL market, where growth is set to surge.

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