Apple Pay looks to be a massive flop in Australia, the same as Android Pay. Theorise all you like on the rise and demise of digital wallets, there's scant data to contradict it. Only crumbs from ANZ and CUA are on the record, neither a benchmark for a disruptive moment in payments in Australia. Apple won't play on anyone else's terms, belligerent in its refusal to consider any clarification of data, by taking the time to share it.ANZ, Apple's main collaborator in Australia, might be champing to tell a contrary story to this analysis. Constrained by Apple, the bank yesterday talked up its progress in a guarded manner."Mobile payment spend volumes have continued to grow exponentially since launch [nine months ago]" ANZ said. Fuller details on ANZ's experience with Apple Pay are found deeper in this article.Every Apple partner and every Android Pay promoter enthusiastic about digital wallets might as well push their proprietary data onto the record. The alternative: a data void encouraging the speculation of an Australian banking sector defeat of Silicon Valley challengers. The unfolding, and soon to be conclusive, confrontation among Apple, four retail banks and the Australian Competition and Consumer Commission over a proposed collective boycott by those banks of Apple Pay is the context for this fresh look at Apple Pay's progress and the sluggish uptake of digital wallets.The significance to the big name banks and the sector's long tail and their fintech associates of the ACCC's final ruling is massive.If the banks seeking a collective boycott get their way, and then stick to their word, the trends can only get worse. At that point the majority of the prospective Apple Pay user market in Australia will be obliged to select a rival wallet, change to a bank that's got the rights to the Apple Pay app, or simply abandon interest in the technology. (Assuming Apple does not cave over fees and play by oligopoly rules.)This is all discouraging news for bank customers clamouring for obstructive banks to enable the way and make digital wallets a genuine mass market staple.  Apple management, in need of milestones and the outline of a landmark legal victory in the ACCC against the banking cartel, must instead dull matters with technocratic arguments. Apple's hesitation to exploit any data that tells a story of rising uptake and a compelling incursion on a traditional bank service invites wonder as to the reason. One possibility is that there is no such data and no story of a commercial ascendancy to tell.Instead, the American IT company is defensive, giving nothing away.It's one more opportunity for rivals and their associates to belittle Apple and its app. Guess away, the invisible data can be positioned as proof that Apple Pay is an Australian, even global, failure.Rather than make use of the ACCC process as a platform for Apple to assert the inevitability of the ascendancy of its wallet, Apple has declined the opportunity.In its most recent (and maybe last) input to the ACCC review,