Apple signals major Siri overhaul using Google's Gemini and previews native bill-splitting tools ahead of June 2026 Worldwide Developers Conference

Apple plans to upgrade Siri with Google's Gemini AI models and embed receipt-scanning bill-splitting directly into iOS using Apple Cash and Wallet, deepening integration of artificial intelligence and payments into the operating system.

The Gemini-powered Siri reboot and native bill-splitting tools pull everyday payment behaviors deeper into Apple's native stack, increasing competitive pressure on third-party fintech apps that have relied on iPhone distribution.

Apple's narrative projects $580.7 billion revenue and $161.6 billion earnings by 2029, though the Gemini Siri and payments news could either bolster an AI-led upgrade thesis or revive concerns about slower innovation and regulatory pushback.