Nobody have used Bixby so far, whereas Apple has been trying to do something (whatever that something is) with Siri for 5 years now.
And on which universe is S Pay less useful/featured than any other payment solution?
Meant S Voice, not Bixby. Siri is awful as well don't worry there's no doubting that. Nothing in Bixby to say it'll be better than existing voice assistants.
S Pay is pointless with Android Pay being there.