@jemostrom Here it's just one or two banks rolling their own, and it's not popular. As the nerd department at work we tested these (we provide part of the system which produces student ID cards, so are interested in card replacements!), our conclusion was: not particularly secure, or easy to use. Hopefully the right banks get Apple Pay, and those that don't learn quickly with people switching away that we want these options. (One bank started charging people to withdraw cash, and lost quite a few customers - including me!)