K-Hub is back! This time predicts ‘killer iOS app’

K-Hub is back! This time predicts ‘killer iOS app’Around a month ago, I first scribbled about K-Hub, blond bombshell and - more importantly - Managing Director at Morgan Stanley (where she’s more commonly known as Katy Huberty).

Back then, K-Hub was predicting an unspecified “killer feature” for the iPhone 5S, and now she’s touting the notion of a “killer app” – specifically pertaining to mobile payments. Killer!

That’s the story according to Apple Insider, which has been perusing a note to investors, penned by K-Hub after a meeting with Apple management.

In addition to the mobile payment app, Lady Huberty reckons Apple’s long-rumoured music streaming service might be imminent too, though there are persistent rumours of royalty disputes.

"We believe Apple could charge either developers or users for some of these services, which could boost Apple’s annuitized revenue stream and better monetize its large user base," writes the Hub. "For example, Apple could offer a streaming music service using a freemium model."

Huberty goes on to suggest that the new service(s) might launch as early as WWDC 2013, which gets underway in just over eight weeks (June 10).

The general consensus is that Apple needs to crank it up a notch with the iPhone 5S, with recent rumours suggesting NFC (Near Field Communication, which is already on millions of phones and is of little to no interest to Joe Average), and fingerprint security. Can I pre-order now?

The Insiders also make mention of the budget iPhone. Again. Bleurgh. Is it the weekend yet?

Read more about: iOS

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15 comments

JanSt / MOD  Apr. 12, 2013 at 18:31

Oh, gawd, no... Let that not be the main attraction!
Or wait... Whatever. Anything off of my imaginary shopping list is good.

JanSt / MOD  Apr. 12, 2013 at 18:34

...oh, and fingerprint security? Hahaha whata p*sstake in a world where a few million security cleared dudes and dudettes can find out everything about you anyways.
And, I see the posts: "I cut my fingertips dishwashing. Now my iPhone doesn't read my prints. Buaaaaaaaah"

corgi74  Apr. 12, 2013 at 20:10

3GS the S was speed
4S the S was Siri
5S is the S security?

Hope not

celsdon  Apr. 12, 2013 at 20:53

Japanese Phones have had NFC and Fingerprint Technology for years and that's just on feature phones not smartphones. Although I'm using an iPad right now, Apple Products are overpriced and underperforming. The next iphone will most likely be no different to the current one

JanSt / MOD  Apr. 12, 2013 at 21:44

Japanese Phones have had NFC and Fingerprint Technology for years and that's just on feature phones not smartphones. Although I'm using an iPad right now, Apple Products are overpriced and underperforming. The next iphone will most likely be no different to the current one
What great generalisations... Tell me: in what way are Apple products 'underperforming'? And elaborate on 'overpriced', please. Yes, they cost a lot sim-free, but have you compared the resale values of iPhones and other devices? Even if you get an iPhone on a 2-year contract, you can still sell it for a good bit of money at the end of that contract. Meanwhile the £400 Lumia 800 went to £150 (NEW!) after less than a year. A 6 months old SGS3 prepay here in Ireland can be had for around €350 - from €550+.
And since you mentioned the iPad: Look at tablets' value...

So price is relative... (dito if you compare Win laptops versus Macbooks)

Again, I have no idea what you mean by "underperforming". There are features that iPhones lack (for my taste): e.g. mass storage/file explorer etc etc... but THOSE are not hidden short-comings! So, those you cannot mean. Other 'underperformance'? Though I currently own no Apple products, my other half has an iPad 2 since launch. She uses it heavily. It NEVER crashed. NO app EVER 'force closed'. With jailbreak it runs 2 apps in 2 separate windows. NO crash, no lag... Battery life is fr*gging awesome. Apps quality overall beats the Android apps offerings hands down. (even hardcore Android fans admit that)

I am far from saying iPhones and iPads are for everyone. The iPhone is not for me, because features I want are only available with jailbreak. But then: I'm quite happy with the Nokia N9, although in many people's eyes it lacks features and 'underperforms'... Few apps; so-so camera; average battery etc. Some people LOVE WP8.

A lack of whatever features you value does not equal 'underperformance'! Underperformance is when advertised features do not function adequately. Not having feature A, B, or C is a different matter. It's called taste or personal preference.

Did I mention: I'm tired of generalisations.

celsdon  Apr. 12, 2013 at 22:10

Underperforming as in their iOS products use dual core technology and the lack of expandable memory
Overpriced- they may have good build quality but the Nexus 7 over iPad Mini wins by a mile.
Price depreciation is higher for non apple products but if you consider the lower cost to start with it will not be a problem if the selling cost is lower.
Japanese products such as the Sony Xperia Z, Fujitsu F-10D, Docomo Panasonic Eluga X all feature new features such as NFC (which I often use) and fingerprint technology (which is great for security), waterproofing (albeit upto certain depths), and great build quality. Some Japanese features phones even feature 13mp cameras (something which can't be said for the iPhone). The first two generations of iPhone did not even have video recording facilities and the first generation ipad did not feature a front or back camera. As for iOS apps being superior to Android, yes they are but android is more open to the masses and has some great apps as long as you look for them. As for generalisations - Japanese technology companies are often superior to other countries technology companies.

JanSt / MOD  Apr. 12, 2013 at 22:26

Underperforming as in their iOS products use dual core technology and the lack of expandable memory
Overpriced- they may have good build quality but the Nexus 7 over iPad Mini wins by a mile.
Price depreciation is higher for non apple products but if you consider the lower cost to start with it will not be a problem if the selling cost is lowe


We have no basis for a debate. Your arguments are inconsistent.
The dual-core vs quad-core argument means ZERO when talking "performance"! It's a paper-argument. I have used quad-core phones and tabs... differences vary big time. The HTC One S (not just imho) is no **** compared with the One X...

But yawn.
Price: you pick the Nexus. Again: not representative.

The Sony Z and HTC One and Nokia 920 - check their sim-free prices. Come back in 6 months and we can talk.
You keep bringing up Japanese phones... and then 13 MP. Wow, yes... there are $90 Chinese Android phones with 8 and 13MP cams. They are reaaaaally great cameras.
NFC - preference! An awful lot of people don't care much about NFC. Many do. It has nothing to do with performance. Or price. I, e.g., value Garageband over NFC. Go figure.
Totally unrelated, right? ;)

You do not like Apple. That is the nutshell. For some reason you don't want to state the real reason. That is okay, too. I hate MS. If I said why (and just how much) I might lose my job here. But I wouldn't claim their WP8 handsets are all underperforming slackers. They aren't. For many folks they are perfect. Not for me. I wouldn't buy one for a buck.

Fingerprint security was present on WinMo devices ages ago... nobody gave a sh*t. You do. Great. IF it suits you. As to the level of security it offers? L.O.L.... that too is relative. The real threats come o.t.a. But I can see situations where fingerprint unlocking can be convenient. It's not a performance issue, though.

Whatever. I know nothing I write will in any way change your P.O.V.
That doesn't bother me.

celsdon  Apr. 12, 2013 at 22:49

I'm not talking about Chinese products as they are often useless and their cameras often aren't what they say - japanese phones use quality lenses such as Exmor, Leica or Carl-Zeiss and materials - the offices of the Sony Xperia Z may lower over timeout it doesn't change the fact that it is a great quality phone and far better than any iphone. I don't like Apple for the fact their phones are over hyped with bullish adverts trying to make iOS devices sound better - yes the iOS system itself is better than other mobile os but it is the hardware itself has in my view a lot to be desired. Apple once was a pioneer in technological innovation especially when Steve Jobs was alive but since his death the company has simply been trying to play catch up such as the iPad Mini which Steve Jobs would never have released because it was a terrible idea. I once was a fan of apple but believe they now just follow the herd and just play on the fact they have a fruit on the back and decide to pay double for a similar phone to the last generation which has very minute differences. This is my opinion and believe it is correct - your opinion is just as valid.

SpeedyG  Apr. 12, 2013 at 23:24

This will just make it easier to be samsunged again...

X)

JanSt / MOD  Apr. 13, 2013 at 05:59

I guess we agree these 'killer apps' aren't. Thanks, K-Hub :p

Stelph  Apr. 13, 2013 at 07:09

Although I'm hoping that it won't be the ply "killer" feature to come to the iPhone 5s, I am hoping that NFC does come to the iPhone, mostly because I can see so many benefits from having NFC more widely used and adopted by joe public. Im not talking about paying for things with your mobile (that idea sound die a death), I mean more using cheap and cheerful NFC tags to quickly and easily communicate locations (without having to use GPS, like when you get into your office and want to set your phone to work mode), or when transferring files/syncing (swipe and the phone knows to switch on wifi and search) or when out and about and wanting to pick up information on an advert or sale code in a shop (SO much more convenience that using the camera for a QR code or barcode), all of these would be time and battery life saving steps and, as unfortunate as it is, it does usually take apple to push a mobile tech into the average customers awareness and have them start using them. Google does tend to provide features, but I would argue thatNFC doesn't need features, it needs a deep level integration into an OS environment with wide ranging app support, something google doesn't tend to do as much as apple unfortunately

Also to celadon a comments, I'm not sure when Apple was ever supposed to have been "technical pioneer" with regards to specs? What they are good at and have always been good at is producing desirable tech that works on streamlined software, look at macs for example, they have always either been less powerful than the equivalent PC, but always more desirable and lightning quick due to OSX being streamlined and fast. IOS is the same, it is less "bloated" than android and as such still runs very fast on "outdated" hardware, the ipad mini's internals are testament to that, however remember that even if the internals of the mini are "outdated", its still in the slimmest tablet that was launched at the time, that was only fractionally smaller than the nexus 7 despite having a larger screen, and kept the 9-10 hour battery life, that's quite a technology pioneering achievement IMO

corgi74  Apr. 13, 2013 at 07:24

Underperforming as in their iOS products use dual core technology and the lack of expandable memory
Overpriced- they may have good build quality but the Nexus 7 over iPad Mini wins by a mile.
.


Under performing compared to an OS that needed 17 software versions, the introduction of quad core processors and a special in house 'Project Butter' just to get rid of screen lag (mostly).
Over priced compared to a tablet sold at cost (that has no expandable memory)

hicks12  Apr. 13, 2013 at 14:05

Lol fingerprint security is so last century, I have been developing tech similar to the Judge Dredd user recognition in their guns, a mini ecg basically and its quite impressive tbh as you would be hard pushed to clone that signature (unless you actually cloned the person... how long till that is the norm? :D).

Oh and Apple are one of the many phone companies who have approached us to purchase units off us, cant see it being in the next iPhone but maybe the one after :D.

Turwilly  Apr. 15, 2013 at 13:01

Hahaha I love reading Mobot , I feel proud to be one of the 20 or so regular readers.

What I like best is when anyone posts anything slightly negative about an Apple product - I love the way JanST goes to town trying to rubbish their opinion and coming up with various statistics and facts about why in fact he is right and anyone else is wrong. OMG does he/she in fact work for Apple or is he/she just a completely rabid fanboy?!
I cant be bothered to write anymore just thinking about it all has bored me to tears......

JanSt / MOD  Apr. 15, 2013 at 15:05

Hahaha I love reading Mobot , I feel proud to be one of the 20 or so regular readers.

What I like best is when anyone posts anything slightly negative about an Apple product - I love the way JanST goes to town trying to rubbish their opinion and coming up with various statistics and facts about why in fact he is right and anyone else is wrong. OMG does he/she in fact work for Apple or is he/she just a completely rabid fanboy?!
I cant be bothered to write anymore just thinking about it all has bored me to tears......


I'll let you in on a secret: I own Apple. There. :p

Fact: I own no Apple product. I wouldn't buy an iPhone/iPad until the possibility to jailbreak and/or file access is a given out of the box.
Fact: Anyone buying a sim-free iPhone (or similar) for more than £400 is not someone I can identify with.
Fact: iPhone fanboys started a lot of the worst trains of thoughts ever - although: Android fanboys are now frequently at the wheel :p
Fact: I have been barred on a number of forums for criticising the sh*t out of St Jobs.
Fact: I hate Microsoft. I mean " illegally in 51 states kinda hatred"! Yet, I have said here numerous times such and such WP device may well suit so-and-so best. I reckon WinMo still rules with regards to certain features (email client, e.g.).
F
A
C
T
I don't need to spell out all of this.
You cherrypick the comments that annoy you.
I criticize FLAWED arguments. Be they pro- or anti-whatever. When it comes to areas that are 100% personal taste, I WILL say, I am right, because we're talking matters of taste. Everyone is right.
I said it above and elsewhere: you hate Android or Apple or WP for whatever reason - that's fine by me. But don't cherrypick some 'factoids' and claim your point is scientifically proven.

That is all.
No carry on :p
I go back to my Nokia N9 and dream of a freebie Z10.

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