The issue focused on Indian banks and technology companies that work with Indian developers to create mobile apps that meet needs of Indian consumers. The Indian tech giant Apple had raised $18 billion for research and development (R&D) at one point. The Indian tech giant took about $15 billion from French tech giant Tencent in 2011. In March 2014, Apple raised $15 billion from tech giant Andreessen Horowitz to research and develop mobile apps for Apple's iOS devices. In April 2014, Apple raised $15 billion from