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Apple Pay & Better Camera ...
The camera is supposed to be very good, 12 megapixel. My tiny little point-and-shoot camera is 16 megapixel with 5X optical zoom and image stabilization. I cannot see the phone replacing that, though I will make some comparison shots, and will use the phone for casual pics when I don't have the camera with me. But for hiking, which is my main camera use, I cannot see the phone replacing the camera, especially since I won't want to subject the phone to the trail, and there's no cell coverage where I hike.
I'll check out Apple Pay, but without knowing more, it seems to me that my credit card is easier. The bank protects me against fraudulent charges, and Apple Pay is just one more middleman charging the store a few more percent that will get added onto the cost of everything we buy. However, I'm open to information and I might try it out.