Opinions of a user
So as someone who has actually used Apple Pay (on both sides of the pond), I actually quite like it.
It didn't magically solve a problem in my life, however I do rate it as an improvement.
I have four US cards registered against the iPay thing (only one of which is natively NFC - an amex, and three visas from two different banks) and two from the UK (Nationwide in case anyone cares). I like that it gives me the option, and it seems to remember which card I used where last as the one it pops up first seems to be tied to whatever I used at the location last (one of my cards gives me better cash back on fuel, the other has a better rate for pretty much everything else).
I am still required to use a PIN however if I use it against a debit account (confusingly, one can present a US debit card as a credit card at POS terminals), so I'm not sure how that works.
The one thing I find particularly curious about the UK implementation is the 20 pound cap. Does anyone know why that is? Here in the states I can spend as much as the bank will let me (as far as I'm aware...I think the largest transaction I've put through Apple pay was about $800)
The one thing I'd love for them to add to the phone would be some form of ID verification, such that if I forget my wallet and I meet with a particularly officious checkout operator that really won't accept that I'm legally old enough to buy whatever booze happens to be in my cart