[jlawer]

Apple is disruptive with these products, but won't ever dominate with their offerings, simply because they will lock things to an apple ecosystem and they generally have a history of loosing focus.

Freeform isn't really a competitor to Miro. Miro is able to do higher order stuff (it was used as a Visio replacement in my previous org). Microsoft has a similar product to Freeform called "Whiteboard". Its no where near as slick, but its free with Office 365. If Miro can survive that they can survive Apple's version. Especially since Apple's version isn't going to work on anyone with a PC.

1Password has made a business out of adding what apple doesn't provide and integrating what they do. They will likely retain a niche providing the "Legacy" password support, cross platform, and other areas Apple don't care about.

For the finance tools, basically apple will always be niche if they don't expand to PC / Android. They are currently operating as a middle man, leaving the true banking up to other financial institutions. I wonder how much they are going to be able to make out of this before they are either forced out, or have to take on more of the actual financial operations and how the current company could handle becoming that company if they needed to.