Apple needs RBI license to process the apple pay payments which it hasn't taken and possibly won't take because RBI wants the database to be made and stored in India, also apple doesn't give the access of biometrics etc to any third party. And in India There is no relaxation to it. All others like Gpay, samsung pay have taken the licenses from RBI and are allowed to operate their wallet in India. It's not banks that are in fault but Apples negligence for India.
I work for American Express Network and hence have a fare bit of idea about payment network