My guess is that the banks (especially the large ones) are holding Apple as a hostage. Apple wants to start with a big bank here. They learned their lesson in Switzerland, where only „niche banks“ offer Apple Pay and it is a bust. The banks (especially the large one with local card systems) want similiar deals like in Canada. But the letter of intents are already signed, with a final contract signing expected in the near future (maybe before Christmas), I could see a start in mid-January as the PSD2 rules are in full effect.