May I ask, if water resistance is so necessary, why have I never in... almost a decade of iOS device ownership, had anything, ever, damaged by water?
Luck? Or maybe better hands
My daughter lost her 5C to shower humidity over time, and I've known several people who dropped theirs in the usual toilet scenario and never got it working again.
So where does that put your claim?
Hey, never diss someone's claims. It's like asking the Karmic universe to strike your phone down
Banks prefer using Apple Pay, it saves them money not having to insure the payments themselves.
Where did you get the idea that Apple insures Apple Pay payments?
The NFC payment code is written and maintained by the credit card networks, and the authorization is done by the banks. The only part Apple plays is providing the device. Even a fingerprint is just a shortcut for entering whatever PIN the last person with access set up. (It's no guarantee that the actual cardholder is present.)
That's why Samsung Pay and Android Pay exist, because it was obviously the better route to be a payment processor.
Neither Android nor Samsung Pay act as processors. Merchants still use their usual setup.
So what are the dozens of other uses that we're missing out on?
I'll answer as well. Years before Apple Pay came out, I used to post here about what my family used NFC for on Android. Now that you have Apple Pay, you can at least understand the convenience of tap and pay. But you don't have the other convenient NFC powers.
Normally, NFC can be used in three basic modes:
1)
Card emulation. You know it as used for contactless card payments. But this mode can also replace metro transit cards, door keys, etc. Very handy. Basically it makes your phone an electronic wallet / purse / keychain.
2)
Card reader. Used with dumb tags to set up complex actions. My stepson has tags in his home, car and office. Each one triggers a different phone profile. E.g. gets in his car to drive to work, taps a tag on the side of his console, and it turns off WiFi and sets up navigation to his office so he can see traffic, and turns on music. When he gets to the office, he taps a tag on his desk and his phone turns on WiFi for his office network.
Another common use of this moe is built into NFC speakers, which set up Bluetooth connections at a tap.
3)
Anonymous, instant data transfer with no setup. The basic version is even OS agnostic. You simply hold two devices close together while viewing the item you wish to transfer. E.g. I often wanted to show my son a website or video on YouTube, so I'd hold the back of my phone to the back of his phone, and his phone would open the same app and display the same site. Very handy to share restaurant map / navigation as well as contacts, etc.
Sometimes, trying to describe in detail how nice all those extra uses are, is like trying to describe Apple Pay's benefits to someone who's a fan of paying cash
