Not sure if FNB or other banks are implementing or not - just aware that it is something that Discovery and Nedbank are working on. Also, apparently the implementation challenge is not simply around implementing the tokenisation solution which is fairly trivial and already in place for many other platforms - the challenge is making sure the PoP process is consistent and seamless (no PIN requests, requests to insert card, etc.). I'm guessing this is an Apple requirement – strong focus on consumer experience.