Apple's new strategy for fighting off Android, retaining customers

Apple's iPhone 6s announcement last month introduced a big incentive for iPhone owners to upgrade every year. The one-year upgrade plan is really a two-year installment purchase, financed at 0% interest by Apple with the option to upgrade to a new iPhone after 12 months. There's a catch, though – another 24-month installment purchase contract comes with the upgrade.
The customer gets the newest iPhone every year, and in return Apple renews its customer for two years simply by notifying th