Do you have reason to doubt that Apple did not do all of this or even more? In the end we’ll see but one indicator is that the banks at least let them use Apple

Do you have reason to doubt that Apple did not do all of this or even more? In the end we’ll see but one indicator is that the banks at least let them use Apple Pay with FaceId. I am guessing here but I suppose they will still get the “card present” tarifs and if I recall correctly that was tied to the fact that banks deemed TouchId a sufficient form of authentication.