JPMorgan Chase finalized a deal to take over Apple’s credit-card program, including approximately $20b in balances, from Goldman Sachs. The deal brings two of the country’s most influential companies closer together. JPMorgan is adding the flashy program to its leading credit-card operation and strengthening its connections to the trillion-dollar tech giant at a time when consumers are increasingly using phones and watches for payments and managing their finances. Apple gets a new partner with a sprawling consumer base that is eager to grow the card. Goldman gets closure on its failed venture into consumer lending that has brought the firm billions of dollars in losses, a chapter it is hoping to forget.