This has largely been debunked elsewhere -- the fraud is entirely on the poor verification by the banks.<p>When I got an iPhone supporting Apple Pay, I added two cards to it. One just set up with nothing more than entering the information. The other one triggered a phone call to the issuing bank where I had to jump through multiple verification hoops to convince them I was the cardholder.<p>Apple can&#x27;t fix the first bank&#x27;s security problem, and I don&#x27;t really expect them to.