This is a very interesting article but I think the story should not be about Apple

First some facts to be recognized:
1. Apple as usual has done a fantastic job and there is nothing wrong in what Apple has done

2. As a matter of fact, Apple has gone out of their way to add more security and try to fix many issues, so with that Kudos to Apple for taking this step and leadership

3. Apple is not the payment experts, they are just the vehicles to do the heavy lifting in this exercise. Their goal is to nudge to industry to be alive and to innovate

4. Apple has done what they can and even forced the industry to deploy the well known approach of encryption and tokenization, DOUBLE KUDOS for Apple for doing this.

5. Apple forced the payment networks to adopt the well known tokenization solutions that they (payment networks) resisted because of cost. Apple forced them to accept it because it good for the users and the whole industry. Triple Kuddos to the Apple guys