1) Sure, that works as well. But most countries don't have contactless cards, and those that do only allow smaller transactions without entering PIN (i.e. < £20

1) Sure, that works as well. But most countries don't have contactless cards, and those that do only allow smaller transactions without entering PIN (i.e. < £20). 2) There are apps like Uber and Hailo, where you automatically get billed at the end of your ride. Hailo is used by a lot of London black cabs, and most of those don't have a card reader in their cab. Don't think there is an easy answer. If the contactless readers accept both cards + apple pay, that would be nice. Some people will prefer one over the other anyway. I do know I have a significant amount of cards (some personal, some business), and being able to leave some of those at home is great. At the end of the day I don't really want to walk around with 10 debit/credit cards for various purposes. That's one problem Apple pay and these apps solve (to some extent).