Garmin Pay

I am using both (for now at least) so have Monzo on Google Pay on phone and Starling on Garmin Pay on the watch. I would ideally prefer Monzo on both (and am astonished, despite the believable arguments about erxtra work - when has that ever stopped Monzo!?! - that they dismiss it so) but with the new SCA regulations and the stupidity of needing to enter a pin every nth contactless payment (**) I think it safer to have the two, so I have a backup.

** Although I think that Google/Apple Pay (and hopefully therefore Garmin Pay) won’t get hit by this because of the extra authentication required to use them in the first place?