Apple’s virtual reality plans failed to materialise at its Worldwide Developer Conference on Monday, but the company had so much to announce anyway that it’s easy to imagine them being held back for a separate event.

The focus was on developers and the new tricks they can adapt in iOS 16, the forthcoming operating system and app upgrades for the iPhone. New software features for the iPad, Mac and Apple Watch were also unveiled and Apple revealed more of its plans for the smart home and car. Here are some highlights:

Buy Now Pay Later: Apple is going to challenge the likes of Klarna and Affirm with Apple Pay Later. IPhone and Mac users in the US can pay for purchases in four instalments over six weeks without being charged interest or other fees. The system will work using Mastercard’s network at any location that supports Apple Pay, online and in physical retail stores.