For AI again, I'm not sure how Apple can significantly improve the AI features, though I'm sure they will do something but for now Apple seems to want to do the AI locally for the most part and that massively restricts what you can do - AI models, good ones anyway, need an enormous amount of processing and memory to run, so the AI features are directly proportional to the hardware on the phone and will struggle to match what online models like ChatGPT can do. Apple will probably have to do online server integration and then the question becomes how they monetise it because it's damn expensive to do and Apple may need to charge a subscription for more advanced features and how will iPhone owners respond to needing to pay a subscription to unlock more phone features