[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.