Some of my friends fear connecting their phone to their bank account. I try to tell them it's more secure than swiping their card and helps protect against cc number theft.Some stores have astonishingly fast authentication with Apple Pay--1 or 2 second delay. Other stores, I stand there wondering if it's ever going to go through. And the clerks will say things like, "It might work. Sometimes it does and sometimes it doesn't." I don't get why that is. Is it the stores' hardware, network connection, service, or my bank, Apple??? Love it when it works as it should.
Number 1 reason my friends won't turn on and use Apple Pay is feeling anxious about connecting something on their phone to their bank account. I figure there must be a lot of people like that.
The other problem is they don't use a password or iCloud or Touch ID or Face ID on their phone so their phone is easily accessible.