If you already have your phone in your hand it’s faster for sure come on
Do you juggle a lot of different cards? My guess is that most people have a default.
> how often do you have your phone in your hand when you’re checking out somewhere?
Pretty much always when I’ve been in line at the grocery store.
In the past, I encountered credit card readers that wouldn't work with Apple Pay often enough that walking around without a physical credit card felt like a gamble. These days it doesn't.