Properly implemented, it's less friction than the current model.

Just like how Apple Pay is less friction for online purchases than entering my credit card info is. Take that a step further where Apple can supply personal information JIT for shipping.

Yeah, the workflows need manual overrides for things like different billing vs shipping addresses, etc. But the happy path can be streamlined.

Friction ... Like being hacked, or having your customer's personal or financial details compromised?