How safe is Apple Pay?

People sometimes give newcomers afraid of Apple Pay or Google Wallet a little flak, but personally, I get it. If you’re used to paying with conventional cash or cards, something like Apple Pay may seem a little too easy to be reliable, never mind safe. With iPhones and Apple Watches, your device is even talking wirelessly to retail payment terminals, which raises the specter of someone snatching your bank info out of thin air.