Although many merged features between macOS and iOS seem a bit gimmicky, this one is a huge step forward and it is a good example of how to implement a feature

Although many merged features between macOS and iOS seem a bit gimmicky, this one is a huge step forward and it is a good example of how to implement a feature that is both convenient and secure. Heck, I predict it will hugely increase online commerce because people will not feel iffy about handing over credit card details to random web sites; as long as the sites support pay by phone (where the card itself is not even shared), you will be able to fearlessly shop from a lot more web sites. In a way, Amazon should be a bit worried: given a decent cross-site shop-search mechanism and a much more reliable checkout experience, the whole web looks a lot more like one super-store.