I wouldn't really call an installment plan a very innovative financial product. And it's not like they'll stop making iPhones and focus on financing. It's just a power move to dominate the phone market and cement their lock on customers.

next is iMortgage

probably not, this is a good dry run for car financing though

That's actually how Porsche ended up in a position where it had to be 'rescued' (=bought) by Volkswagen during the last financial crisis:

http://priceonomics.com/porsche-the-hedge-fund-that-also-mad...