It seems that the antitrust commission of the European Union is investigating Apple's service, Apple Pay, for possible abuse with this well-known payment method. Everything indicates that the basis of the problem lies in the limitation of the NFC chip for exclusive payments with the Apple service and this started an investigation. There is much debate about it and it is that Apple does not open its NFC for anything that is not its own and therefore it would be entering a kind of unfair competition with other mobile payment services that currently cannot be used with its devices.
In Cupertino they have always affirmed that having the NFC closed is directly related to the safety of its users, but the European Commission is not entirely clear about it and that is why they have opened this investigation. Without a doubt, having Apple Pay as the only payment service compared to other possible ones may be something that not all users like, but with Apple this is the way it starts and if there is no clear evidence of unfair competition, it will continue to be the case long time.
Bank records on mobile devices are sensitive data and this is precisely what they defend at the Cupertino company, using this as the main reason for not opening their NFC. It is actually true that there are users who may want to use other payment methods with their iPhone, but the safest thing is that the user who has an iPhone, iPad or Mac would use Apple Pay for their payments always or in most cases where you can choose. In any case, the European Commission is investigating this issue.