Nice write up. Suggestion: instead of generating garbage-looking "verification code" I as a user would prefer to have a string of digits separated in groups. I

Nice write up. Suggestion: instead of generating garbage-looking "verification code" I as a user would prefer to have a string of digits separated in groups. Imagine the experience of spelling the code in its current incarnation over the phone... Nit: the passage about "getting rid of physical cards" by replacing them with Apple Pay. If you use your phone to pay, it's still a "physical card", albeit more hi-tech.