With the closed system, you have no idea what Apple or Google is seeing.
I think you have the 'inaccurate bits of conventional wisdom' reversed. People have a pretty good idea of what Apple and Google see and banking on your iPhone is safer than driving to the bank.
I think you have the 'inaccurate bits of conventional wisdom' reversed. People have a pretty good idea of what Apple and Google see and banking on your iPhone is safer than driving to the bank.