Two things:
1) Shame on Goldman Sachs for not being able to monetize this relationship.
Goes to show that retail MegaBankCo would probably have done a better job utilizing Apple's customer base.
Retail banking certainly isn't Goldman's forte.
2) Another one-sided contract win for Apple.
This one, with a bullet!
I mean, Apple was able to schneider a Wall Street giant into giving them their bank!