Okay so if your phone is your hand already and ready to be used, then it's "more convenient" (i.e. saves maybe 2 seconds) than your card, but then in all other cases it's not? I usually keep my phone in my pocket so this isn't more convenient anyway.

Personally I find any hard requirement of a phone extremely _inconvenient_, since it means I must have my phone with me. A card/cash takes up much less space than a phone.

On the other hand, here in the UK I know several people who no longer carry a wallet or cards at all because Apple Pay is so ubiquitously available. I don’t know anyone without a phone.

I do have a phone and usually have it with me, but I don't always have it with me. I think having more payment options is great. Cash, cards, phones, you name it. The variety of options is true convenience. But I don't see how someone can say a phone is more convenient than cash/card for payment. Sure if you already have it with you (an argument which is symmetric anyway), but cash/cards use up less space and...well make payments.

I think the 2 are similar enough that are a bit subjective. For me it’s easier to pull out my card holder and slide out my card than trying to unlock my phone several times in a row. It doesn’t help that some places don’t know how to use NFC so the card works 100% of the time for me.

If I lived in a post-facemask NFC-aware country I’d totally use Apple Pay