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If the iPhone just needs to take a photo of the bill, automatically calculate the amount for each person and send a payment request immediately, are third-party money sharing applications at risk of being "wiped out"?
According to sources from famous technology journalist Mark Gurman, Apple is said to be developing a completely new feature in iOS 27 that allows users to take photos of dining, shopping or group expense receipts, then the system automatically identifies the items and creates payment requests for friends or family members.
If this information comes true, this could be one of the most practical features Apple has ever integrated into the iPhone operating system.
Why Is This Feature Interested?
In everyday life, dividing money after group meals, travel or shopping often causes a lot of trouble.
One must advance the money
Then use a calculator to divide
Send messages to each person
Keep track of who has paid and who has not paid
iOS 27 is said to automate almost all of this process.
Expected Operational Scenario
Action Step
1 Take a photo of the receipt
2 AI identifies each item
3 Calculate total amount and tax
4 Divide evenly or customize
5 Create a payment request
6 Send to participants
For example
Dinner bill for 4 people
Total bill
┌─────────────────┐
│ 1,200,000 VND │
└─────────────────┘
AI selfproposed motion
Person A 300,000 VND
Person B 300,000 VND
Person C 300,000 VND
Person D 300,000 VND
Or users can adjust if one person orders more.
Apple Is Following the Practical AI Trend
While many companies focus on promoting imaging AI or chatbots, Apple seems to be focusing Apple Intelligence on real-life situations.
Some practical AI features have emerged
Target Feature
Email Summary Save time
Notification summary Reduce distractions
Direct translation Communication support
Smart image processing Increase productivity
Split bills with photos Financial management
This is a direction that many experts appreciate because it helps users feel the value immediately instead of just technology demonstrations.
Who May Be Affected?
If Apple implements it directly in the operating system, some popular money sharing applications may come under great competitive pressure.
Current Functional Platform
Splitwise Split group costs
Venmo Pay Friends
PayPal Money Transfer
Cash App Personal payments
However, Apple has a huge advantage because this feature is built into the iPhone without needing to install additional applications.
The Biggest Challenge
While the idea is intriguing, many questions remain.
✔ Does AI accurately recognize Vietnamese invoices?
✔ Whether handwritten invoices are supported or not
✔ Is it compatible with banks in Vietnam?
✔ Does it work outside the Apple ecosystem?
✔ Whether multiple currencies are supported at the same time
These will be the deciding factorsthe level of success of the feature.
On Which Devices Can This Appear?
It's likely that Apple will limit the feature to iPhone models that support Apple Intelligence.
Expected to include
iPhone 16 Series
iPhone 17 Series
iPhone 18 Series
Newer iPhone Pro models
If so, this will continue to motivate users to upgrade their devices.
Reviews
The feature to take photos of receipts to automatically split money sounds simple, but it solves a very real problem that millions of people face every day.
If Apple combines accurate bill recognition AI with a seamless payment system, iOS 27 could deliver one of the most convenient experiences in iPhone history.
The biggest question now is whether Apple will just stop at creating payment requests or will it go further with a smart spending management system for the whole family in the future?
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