Interestingly, ApplePay is more secure than EMV. The problem is that the card issuers aren’t consistently verifying the cardholder’s ID when the card is added to ApplePay, which allows criminals to use an already-compromised card to commit fraudulent charges. The other interesting bit is that ecommerce card fraud is up due to the EMV switchover in the US.

The “higher than normal cards” is not accurate – it’s “higher than the average credit card fraud rate at some banks — not all.” – that is, it’s only higher than normal at banks with poor security practices.

Banks are liable for the fraud costs. Yet ApplePay is the most widely adopted payment method of all of the recent offerings. Banks wouldn’t line up for something that would expose them to an across-the-board level of fraud. It’s just a few banks experiencing that, because they don’t have good verification practices in place.

Apple Pay still has a much higher fraud rate than normal credit cards.

I agree with you that Android is far less secure and I have written about this many times. check my blog for the posts titles swiss cheese.
However, to be objective everything has to be given a fair shot which I am not convinced you have in the formation of your opinions.

There are very substantial differences between iOS and Android security. Using credit/debit cards via Apple Pay improves security over all other methods. You don’t have to believe me – https://support.apple.com/en-gb/HT203027

There are many people who don’t use Google services because of privacy issues. The fact that many more do doesn’t make Google services acceptable for privacy.

Security is an issue on Android which I have written about many times and hope that readers can look it up rather than having to repeat it ad nauseam. I do not do any financial transactions on iPhone or Android.

Privacy less. so. Almost everyone uses Google services so you are tracked whether you are in iPhone or Android.

In order to have an objectove and independent view one must try everything which means switching back and forth between Android and iOS. I did not switch to Android because I thought that it was better but because I needed a new phone a month ago.

I decided to try Android because:
1) It was time to re test it.
2) I had smashed my iPhone for the third time and needed something with stronger glass i.e. Gorilla glass 5.
3) no iPhone 8 available.
4) I HATE not having a 3mm jack. I use it all the time.

and to be fair to Samsung, the s8 is an excellent device and they have done a pretty good job with the software, excpet for Bixby which is pants.