What about the app? Apple Card app is more simple and easy to use than most banking apps. With most bank apps, you need to go through hoops to login.
Take Tangerine in Canada for example. You have to set 3 secret quest and answers to which those answers for most users will be static and can be easily guessed. Then you have to put in your pin on top of that. It's a lot of hassle.
With Apple, your account is secured via a 6 digit 2 factor code that is randomized every 30 seconds. On top of that, you can view statements, manage your credit card all by using your thumb or a a glance at your phone.
It intelligently categorizes items to provide insights and helps you manage your payments via a beautiful UI that most banks can't replicate.