ana: apple pay is not a good business for santander, but it is a good business for our customers, so i think eventually it will be a great business for us. so we, we loan in the u.k., and our customers love it, and we did it because a significant proportion of our santander u.k. customers had an iphone, so we, you know, thought we have to offer them apple pay as soon as we can. what is interesting is that we now developed a great app around apple pay, which is making customers more loyal to santander because you can see where you spend money. it is a great tool and it is very popular. so i think, you know, i think we need to continue to innovate and i think that is the key thing. having said this, i think the important thing -- and i said this recently in frankfurt at the meeting -- we need a fair play market for all. and so the rules have to be the same for banks and new entrants. and i think this is incredibly important. so sharing information, you know, if i share my customer information, new entrants share customer information, because otherwise it is very difficult to run a business. so i think that is a key thing. francine: do you think they will

soon apple was going to move online and that will really ramp it up. we're ready for that been we have already made over 150,000 loans have over $125 million in balances. we see this as a potential to add unsecured credit. this is actually unsecured installment credit to the borrowers. >> i see this as big news. not necessarily that many. tim cook got a question on the apple earnings call. versus online and signups in the store. we have the ceo of the bank saying apple's going to do it soon and they're ready. >> if you're a bank like citizens, this is the gold medal, to be underrighting. relatively low risk. relatively high credit borrowers. when you think about a car or a house, this is much less expensive. but still getting to capture apple's customer base. >> not to mention median income levels for apple. remember the story when some of the online travel sites, that you were shopping from a hard piece of hardware, the fares were higher than normal. >> i find it hard to believe that was legal. all right. shares of chipotle, we told you about it, falling more than 2% this morning. that's because 33 locations have cl

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voice commands when the new version is out soon apple has been waiting on say whether they're cutting production on the five loans by 10 percent after weitting yes 17,064 >> darya: moms they were being tricked into giving our kids dog food they found ads for snack foods are trying to hide the nutritional information ads show family togetherness. the kids to asking for it because it always sold to the kids. >> james: so far it's been pretty chilly, only some slight warming right now. in the afternoon the temperature to be '50s and '60s and is still pretty mild. coatracks >> will: a 25 year-old woman was sleeping in her home when a car landed on top of her, will have witnesses in just a few minutes . >> mark: here's the bridge with lightning that struck yesterday was more on ono off-days, or downtime.ason. opportunity is everything you make of it. this winter, take advantage of our season's best offers on the latest generation of cadillacs. the 2016 cadillac srx. get this low-mileage lease from around $339 per month, or purchase with 0% apr financing. >> darya: or taking a look to this to early-morning that we have and hopefully not traf

apple is going to move to online. and that will really ramp it up. we're ready for that. we have already made over 150,000 loans.5 million balances. we see this as a nice potential to add some unsecured credit. this is actually unsecured installment credit to the borrowers. >> never enough time. bruce, thanks for joining us. the ceo of citizens financial. >> speaking of apple, technology, let's check out what's happening today. >> you've got some news there on the 150,000 loans for the iphone upgrade program. also, latest on the square ipo, hewlett-packard split in two and instagram versus snap chat and twitter. all that and more coming up on squawk alley. at ally bank no branches equals great rates. it's a fact. kind of like playing the boss equals the boss wins. wow! sometimes they just drop in. always obvious. cme group can help you navigate risks and capture opportunities. we enable you to reach global markets and drive forward with broader possibilities. cme group: how the world advances. it's more than tit's security - and flexibility. it's where great ideas and vital data are stored. with centurylink you

loan interest rates which means more money to them. stuart: two big names, with lee would like some, apple and be of a. we will see you again soon. be make or break for him. we talk to someone who worked for his brother, president george w. bush, he will be next and then donald trump. find out why he thinks hillary is running for president. you are going to want to hear this one. bose those stories after this. stuart: higher profit at rack space, cloud computing co. higher demand for its online storage project. blake berman is in milwaukee. that is the site of tonight's dd. the candidates gearing up for the big event. donald trump has been leading up to the event with the digs that his fellow candidate. tell me all about that. >> on both sides of the political while donald trump had one of the mega rallies we are accustomed to seeing in springfield, ill. with inside an arena thousands of people there and donald trump went right after in one portion, hillary clinton, suggest a motive as to why she is running for president. here it was. >> hillary is running for a lot of reasons. one of them is she wants to stay out of jail. >> rep