The U.S. is a long way behind when it comes to mobile payments. A report by CNBC  found that Apple Pay made up just 9% of payments in the U.S.

“The U.S. is not a leader when it comes to mobile payments — at best, it’s the middle of the pack compared to other countries,” said Gerard du Toit, partner and head of the banking and payments sector of Bain’s financial services practice in North America. It seems odd considering the ubiquity of iPhones and Androids in the United States. More than 81% of Americans own a smartphone, up from 35% just eight years ago, according to Pew Research Center. While experts say mobile payments in the U.S. will eventually close the gap, they see legacy financial systems, a lack of a need for other options, and rewards cards as major headwinds.

We are only starting to understand the full extent of the iOS hack revealed Friday by Google researchers. At Wired, Andy Greenberg and Lily Hay Newman argued it changes everything we know about iPhone hacking.

The attack is notable not just for its breadth, but the depth of information it could glean from a victim iPhone. Once installed, it could monitor live location data, or be used to grab photos, contacts, and even passwords and other sensitive information from the iOS Keychain. With such deep system access, the attackers could also potentially read or listen to communications sent through encrypted messaging services, like WhatsApp, iMessage, or Signal. The malware doesn’t break the underlying encryption, but these programs still decrypt data on the sender and receiver’s devices. Attackers may have even grabbed access tokens that can be used to log into services like social media and communication accounts. Reed says that victim iPhone users would probably have had no indication that their devices were infected