How Apple stays ahead of the game without spending top dollar on R&D

Although its critics will claim otherwise, Apple is still a very innovative company. Sure, it has its share of stinkers -- we're looking at you, Apple Music -- but it's also been ahead of the pack when it comes to features such as implementing 64-bit chips in phones, creating new ways of interacting with touch-based technology such as 3D Touch, and being the first company to use biometrics as the linchpin of its mobile payments service. And yet, the company spends a smaller percentage of...

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