If you have any experience in using the Apple Pay service and loading credit cards into Apple Wallet, you might want to know more. Pete Lozzi is a guru about all things Apple and is a member of the Sacramento MacNexus User Group. His 2022 General Meeting presentation was on Apple Pay and Apple Wallet. The core presentation begins at 0:39:20 to 1:20:00 and then goes to Q&A.
Apple is known as a disrupter in the marketplace. They did not invent computers, cell phones or credit cards. But they are challenging the market leaders and changing the playing field with consumers in mind.