Apple plans to launch various improvements to Apple Fitness+ and Apple Pay in the coming year. It also is looking into launching a brand-new grocery service that is integrated with Health. Health app, as per Bloomberg‘s Mark Gurman.

In the most recent edition in his “Power on” publication, Gurman outlined his expectations for the upcoming Apple services in the coming year. Two related to finance Apple services are reportedly in the process of being developed, including the possibility of a subscription to a computer and an “buy now then pay in the future” option to facilitate Apple Pay transactions, designed to allow users to purchase Apple Pay purchases in installments over time, akin to services such as Klarna.

In the last month, Gurman stated that the program for hardware subscriptions will allow users to make a payment for a month-long cost and get access to the iPhone, iPad, or Mac for the time period that the contract. Apple is believed to be trying to make the process of purchasing one of its iPhone as well as an iPad “on the same level” when purchasing the iCloud storage service or the Apple Music subscription and allowing customers to purchase hardware using the use of their Apple ID as well as an App Store subscription.

The service is believed to represent Apple’s “biggest launch to date” in recurring sales and even though the company has been working on subscriptions for hardware for some time, it was reportedly delayed back to concentrate upon the “buy now and make payment in the future” Apple Pay service. Gurman says the Apple is working to launch hardware subscriptions by 2022, however it could be delayed until 2023, or completely canceled.

Furthermore, Apple is reportedly planning to add more workout types in Apple Fitness+ in iOS 16 later in the year. In the meantime, Apple is said to be considering the possibility of offering the possibility of an “Instacart-like service that is integrated with nutrition information within the Health app.” Gurman noted that the plan could be difficult to implement as well as “fairly small-capitalization.” He also said that he’s expecting significant improvements for Apple TV+ this year.

Expanding Apple’s array of services has been a subject of discussion among some analysts as well as Loup Ventures suggesting that Apple might offer “Podcasts+,” “Stocks+,” “Mail+,” and “Health+” in the near future.