It isn&#x27;t that the process is so simple. It&#x27;s that it allows fraudsters to convert their &quot;fullz&quot;, previously used best online, to in-store Apple Pay cards.<p>You could theoretically call into the victim&#x27;s bank, and with their SSN + address + etc. add the card to Apple Pay. This would allow you to use the card in-store. Contrast this with previous use, where you the potential damage might range from taking over the account and performing online transactions.<p>Being able to go from online transactions to in-store transactions is huge. But it&#x27;s not so simple as just &quot;type in the cc #, zip, and cvv&quot;. You need their entire details and to be very methodical. The issue is... people are easily convinced to part with all their identity information.