It would be refreshing if you would stop distorting my comments whenever I say anything critical of Apple. Maybe you should re-read some of my earlier posts on this thread. What I've consistently said is that I think banks are mostly responsible for shortcomings in Apple Pay security. But I don't hold Apple blameless. As I see it, they initially made no effort to work with their partners to ensure that Apple Pay was implemented in a secure manner. I view that as a failure to exercise due diligence on Apple's part.