Financing would not be hard or expensive especially if what you say is true (that no one would take advantage of it and that there would be no uptake of the option).
It's not just about the money, it's about the time involved to set such things up with a financial institution, to negotiate interest rates and prices, etc. It's a lot of effort that required that Microsoft would have been looking into this probably late last year, and considering all the stuff currently going on in the company (Nokia layoffs, Windows 10 development, getting the 950s out of the gate), it is completely not surprising that financing was not a top priority. Like I said, for Apple the iPhone is their bread and butter. For Microsoft Windows Phone so far has been a money pit
It's not about "moving the needle". It's about keeping what few fans you have left.
This is where we disagree. I'm not saying Microsoft shouldn't try to keep its fans satisfied. I'm saying Microsoft shouldn't continue throwing away money when the only reward is a few satisfied fans. It's not sound business. Nadella, and Balmer before him, has a board to answer to. They took a massive write-down on the Nokia purchase. How on earth would he justify financing loans on the next batch of phones so that he can appease US customers, the same customers that have brought Windows Mobile the lowest marketshare in all the regions it has been sold? At some point you guys have to realise that Microsoft doesn't exist just for you.
Microsoft has effectively turned Windows Mobile into Blackberry. The only people still buying Blackberry at full price are Crackberry fans. Blackberry has essentially told their fans that if they want their phones, go buy it at regular pricing. They've abandoned trying to sell Blackberry to regular people. Just keep milking the fans you have left.
Yes, because for both Windows Phone and Blackberry the only people that have shown any interest in buying their phones (except for the extreme affordable low end in Windows Phone's case) are the fans. The difference is that Microsoft has their 1-OS strategy to drive sales, and tight integration between mobile and desktop could yet be a good selling point for their mobile business. It would be foolish for them to stop developing a mobile OS. What's the point of universal apps if they're only going to run on the desktop? But it would also be foolish of them to continue wasting billions every quarter on a product that a small part of the market wants.
Leaving out the biggest carrier out there?
Verizon has been a ****** to Microsoft. When the elephants fight it is the grass that suffers and in this case the fans are suffering. Sorry to all those Windows Phone fans on Verizon, but I honestly feel that this was the best decision for both Microsoft and Verizon. Microsoft gets more control over their OS; Verizon doesn't have to keep stocking Windows Phones it doesn't intend to push/sell.
I think any Surface phones in incubation will get the full marketing push by Microsoft. I bet in 6 months, there'll be a Surface phone and it will be carried by multiple carriers. It's as if Microsoft is thinking, "the 950 and 950 XL won't sell. Why put a lot of effort into them? Let's just wait for the Surface phones to push hard." And I think a big part of the reasoning has to be the unfortunate timing of Windows 10 Mobile. It's coming in so hot and heavy. There's no fast stable build. It's almost an alpha. The idea that 950 and 950XL will get a preview build OS is crazy. By the time Surface phones are ready, the OS will be mature and stable and all that we expect Windows Mobile to be. This is when I think Microsoft will get back in the game.
They say hope springs eternal, and there is no better example of this than Windows Phone fans. I've already written about how sceptic I am on this Surface Phone changing anything for the mobile division. x86-like apps on the phone? The 2000s proved that was a failing strategy. All of you pinning your hopes on the Surface Phone being some kind of revolution, good luck. I will be buying a 950/XL and enjoying what I have today.