I love Apple Pay. I was a big fan from the day it was released, and was gutted I couldn’t use it for Monzo. I’d often transfer money to my old acount just so I could easily tap and pay. I often wander to the local supermarket and realise I’ve gone without my wallet, or want to pop in after the gym, so being able to pay with my phone or watch is ideal.
People who don’t carry their phones around often, or aren’t obsessive checkers or social media may not always have theirs in their hand, so I can see why they think it’s more hassle than getting your wallet out, but for an increasing number of people, their phone is in their hand most of the time anyway. Being able to use it to pay for things, or to get up the barcode to get into the gym, or your coffee shop loyalty card, is way easier.
The one improvement I want to see is more people integrating loyalty cards into Apple Wallet. It’s been available for a while but no one has made moves in the UK to do it. But just as a payment method, it’s ideal.