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I recently wiped my Android phone and put lineage on with microg, to tide me over until I can replace with an iPhone. I'm simply done with the data collection on Android. Maybe I was naive, but I thought a user could switch most of it off, but you can't.

I really admire how Apple are pushing their secure enclave. AFAIK Google Pay uses temporary tokens pulled from their servers, whilst Apple replies soley on the ondevice SE for Apple Pay.

I am a huge Apple Pay user and had always assumed it was all stored in the cloud. Had no idea about this and makes it even more cool that they don't keep any PI info.

It's consistent with Apple's claims, and is indeed impressive. But then, Apple makes its money primarily through selling stuff, not through monetizing users' data.