[sjwright]

I still have to worry about my wallet because I need my driver license, I need an amount of cash, and I need my corporate swipe card. I would also need my physical credit cards for accessing ATMs and the small minority of merchants that don't have a contactless terminal. (A few places still only have chip+pin; one of my favourite coffee shops is cash only business.)

My wallet is very slim; it would be more hassle having to think about whether I needed it or not, than to just have it on me at all times.

[iamshs]

As someone coming from Canada to Australia, and who held the same viewpoint; you just need to experience Apply Pay. Ozland seriously sucks now when compared to Canada for me regarding NFC payments. Idiots are trying to create a cartel here.

[sjwright]

I've used and experienced Apple Pay. It's certainly convenient. Don't see how it's more convenient than tapping my credit card, an object I would still be carrying even if I had Apple Pay.

[eon1]

I'm genuinely curious; what is The Apple Pay Experience?

What sucks so bad about our current setup?

What is so hugely different about tapping your phone instead of a card that it could possibly convince me to go through 3-4 extra steps? I really don't get it.

[pilif]

For me, Apple Pay has two advantages over a contactless card:

- it's only active after explicit user interaction. There is no way for somebody with an rogue device to steal money from me.

- conversely, there's no limit after which a transaction requires pin entry. Here in Switzerland, the limit for contactless cards is CHF 50 after which you have to still type in your pin. With Apple Pay, there is no limit.

Both of these make Apple Pay very valuable to me.

There's one more thing: I also have a contactless debit card (which I would love to be available on Apple Pay, but that's probably never going to happen) and the moment a reader detects more than one card, it refuses contacless operation.

By having the credit card on the watch, they are separated far enough from each other, so I can always pay contactless. This is a problem that would be fixable with better UX on the readers.

[semi-extrinsic]

If explicit user interaction is a big deal, why don't banks make contactless cards with a thumb button you have to hold when swiping? Just a physical breaker in the NFC antenna circuit, it would be dead simple, as slim as you want, not need any power, and cheap.

[iamshs]

1) No need to carry wallet when I was out in the field. 2) Stores do not get my card number and name. I always hated when something like even a restaurant would get my name. 3) If the card is reported lost and bank issues a new one, Apple Pay automatically updates before the card reaches me by mail. 4) It is additional security, as it asks for thumb verification before the payment.

There are no 3-4 extra steps involved at all. It is just taking phone out, as you normally do with card, and just tapping the thumb on home button.