For starters, Apple didn’t invent it. Tap to pay was around on the EU long before Apple got there with physical cards. Then it was available on Android via some

For starters, Apple didn’t invent it. Tap to pay was around on the EU long before Apple got there with physical cards. Then it was available on Android via some banking apps, then Google, and finally Apple. Apple was literally the last company to implement this from the perspective of the EU (the Netherlands only got access to Apple Pay a couple of years ago).