Unfortunately, the public is all gaga over the idea of replacing a card swipe with an NFC pass-over using a smartphone. Go ahead and believe that. But if you think it is also hacker-proof, you'll be in for a surprise. It's no safer than using the mattress to stash cash. At some point, you can expect to be robbed blind.
Apple Pay: What's the Big Deal? in PC Magazine (22 October 2014)