I do not envy the Apply Pay team's challenge to have onboarding systems that span the vast disarray of bank systems (because I know some of my banks and how tec

I do not envy the Apply Pay team's challenge to have onboarding systems that span the vast disarray of bank systems (because I know some of my banks and how technically behind they can sometimes be, and I know mine aren't the worst offenders). It is probably a small miracle of engineering and patience that Apple Pay onboarding works at all. (And obviously it is complex enough scammers are using it as an excuse to scam, given the article contents here.)