NFC Times Exclusive Insight – In his usual gushing tone, Apple CEO Tim Cook proclaimed 2015 as the “year of Apple Pay,” though he gave few meaningful details on actual use of the new payments platform since it was launched three months ago or on merchant acceptance or Apple’s expansion plans outside of the U.S.

Cook, who spoke to financial analysts Tuesday following the company’s record quarterly earnings report, was also light on details for other aspects of the new payments service.

But he said enough to confirm that the twin breakthroughs of Apple Pay–its streamlined provisioning and introduction of EMV-level security to in-app payments–still hold true.