Early days, but Apple Pay struggles outside U.S. | Reuters

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He says Apple Pay is appealing, but he wouldn't switch banks just to access that one feature. "Not over that. There's too much work involved just for tap-and-go,"

From Early days, but Apple Pay struggles outside U.S. | Reuters

You can see his point. If you already have a contactless card that works everywhere, it’s not that exciting to be able to tap your phone instead of the card.