As an iPhone-user, I am a bit concerned about the lack of ApplePay in Scandinavia. The major banks are rolling out their own solutions, and now the major (near-monopoly) payment solutions provider is offering a wallet-app for smartphones for use in almost every single store with a modern terminal. This new wallet-app works really well on Android phones as they use NFC and can access the terminals from their lock-screens. iPhone users on the other hand must open their phones, enter the app and wait for bluetooth info. While almost all terminals have NFC, less than 50% offer bluetooth. In this case, iPhone users are offered a QR code! For Denmark in particular, where Apple enjoys 80%+ smartphone marketshare, this is not OK. The Android solution works beautifully in the exact fashion ApplePay does. But we don't have ApplePay. And we don't have access to NFC. For me, personally, this could warrant a jump to a Galaxy phone unless Apple rolls out ApplePay this year.