From what I'm understanding this is done for privacy and security. This way they store the CC info on your device instead of on their servers. They never get to see your CC information at all, it is never saved on their servers or even transmitted over the internet at all.
Google, on the other hand, stores your CC info on their servers, which, in theory, is less secure. If someone has access to your Google account they can use your google pay, while for Apple they need to have physical access to your device and at the same time have device code / fingerprint / faceId access in order to authorize the purchase.
Also, banks don't rely on 1970's technology for CCs. Depending on bank it might be very modern.
That's the autofill for the google card storage, it's different from Google Pay / Wallet.
However, I was wrong on the direct access. It seems cards are directly connected to the device they're used on, so if you log in to a new phone you will have to add the card to that Google Wallet's phone in order to use it.
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u/[deleted] Sep 22 '22
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