Apple is set to end its Apple Card partnership with Goldman Sachs within the upcoming year, and a new Reuters report delves into what it would take for the company to secure a new partner for its credit card program which so far has been a financial dud.

Goldman Sachs is in a hurry to shed the Apple Card off its financial statements, and the report hints that the bank could be forced to offer any potential bidders a significant discount to convince them to take over Apple’s business. Goldman’s stake in the Apple Card has been a mystery since the bank never reported the program’s worth since its inception, but it’s likely to be in the low billions.

On the other hand, the report adds that potential candidates eyeing the Apple Card are likely to pressure Apple to alter some policies that would ease talks over handling the credit card. One of the floated concessions includes access to “Apple’s proprietary credit card data,” which the company has strictly maintained not to sell to third-party actors for advertising or marketing.

New financial institutions poised to take over the Apple Card include the likes of Synchrony Financial, Citigroup, and Capital One if Apple is willing to be more flexible on the deal’s terms, adds the report. Earlier reports stated that JPMorgan Chase or American Express are in a favorable position to succeed Goldman Sachs as the Apple Card issuer.

Apple has offered Goldman the opportunity to exit its Apple Card partnership within the upcoming 12-15 months, one that was seemingly doomed from the start. The company has ample time to decide on the future of one of its first fintech projects, but the clock is ticking.