"We think the retailers who are going to be successful are going to work around their customers and accept the payment customers want to use," Joswiak said.
Joswiak, who works exclusively with Apple's smartphone business, also discussed the company's entry into the world of wearable computing with the Apple Watch. Pressed about the gadget's sex appeal, he said the upcoming device already has won over such influential players in the fashion industry as Vogue China.
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The sport version of the Apple Watch will retail for $350, but Joswiak wouldn't discuss pricing for the high-end, 18-karat-gold edition of the Apple Watch. He said the three models are designed to appeal to different tastes (and wallets).
"You don't want everybody to walk into the room having the exact same devices," Joswiak quipped.
Joswiak offered a defense for Apple's tablet business, which has seen sales declines. He repeated oft-cited statistics that the company has, to date, sold more than 250 million iPads — more than it did of iPhones over the first four years.
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He called the new generation of tablets the best the company has yet produced.
"We're about creating the best products, the best experience," Joswiak said. "I think we've done that again."