Is there anything anout Apple Pay that prevents the underlying banking infrastructure to be replaced with another model while keeping the same experience? A cr

Is there anything anout Apple Pay that prevents the underlying banking infrastructure to be replaced with another model while keeping the same experience? A credit card is just a token that represents an intermediary that both sides trust to handle the payment. Apple Pay simply abstracts that and improves the user experience, while reducing the leakage of informaition to incidental observers.