Re: Late to the party
At least with Apple Pay you get the one-time token so you're protected against the theft of credit card numbers from the retailer (which as we have seen, is way more of a threat than Apple could be) as well as having the convenience of not having to take your wallet out of your pocket. Not that much of a hassle in most scenarios, but better if you're somewhere you don't know isn't unsafe, or if you've lost or forgotten it. And since the payment system isn't always-on, you don't have to keep the watch and phone in RFID protective cases like the cards you already have!