According to Mark Gurman, an all-new groceries service that integrates with the Health app is one of the improvements Apple is planning to introduce this year.

Gurman outlined his expectations for new Apple services in the latest edition of his Power On newsletter. Two finance-related Apple services are in development, including a hardwarescription program and a pay later service for Apple Pay transactions, designed to allow customers to pay for purchases in installments.

Gurman explained last month that the hardware subscription program would allow customers to pay a monthly fee and gain access to an Apple product for the duration of the subscription. Apple is said to be aiming to make the process of buying an iPad or an ios phone on par.

The service is rumored to be Apple's biggest push yet into recurring sales, and while it has been working on hardware subscriptions for months, it was apparently pushed back to focus on buying now and paying later. According to Gurman, Apple is working to implement hardware subscriptions by the end of 2022, but it could be delayed or canceled entirely.

According to reports, Apple is planning to add new workout types to Apple Fitness+. Gurman noted that the service sounds potentially complex to implement and that it is fairly low-margin.

Expansion of Apple's range of services have been a topic of speculation for some analysts.