For me (I'm in EU) its the opposite - the small purchases I make - coffee shops, food shopping, taxis etc the contactless card payments is by far the fastest ap

For me (I'm in EU) its the opposite - the small purchases I make - coffee shops, food shopping, taxis etc the contactless card payments is by far the fastest approach - it is just touch and go - the hold up is waiting for them to ask if I want the receipt. And although I have Apple Pay I still use a physical card because it is quicker (or atleast simpler) than 'launching' Apple Pay.