the main thing about Apple NFC is the momentum.
it’s not just the US that’s already ahead of the game on the wallet side, but apparently even I can pay at any starbucks, Aral (BP I think) petrol station, every German Autobahn service area, plus an awful lot more, in Germany, right now.
Now I know it had NFC when I bought the phone, and I’m sure I’m not alone in not realising that I can just put my phone beside the Chip+PIN terminal right now and enter PIN, and that a bazilion terminals aer already NFC ready. There’s no logo that shouts out NFC. In fact it’s only since I got a V-Pay bank card that I even noticed the V-Pay logo on such terminals.