I set up Android pay on my phone and tried it a few times. I have found I get out my card and use tap and go instead. It is all about convenience. I find it is just as easy to get the card from my wallet, remove it from the protective sleeve as it is to get my phone and unlock the screen. I think it is also a politeness thing. I always try not to be engrossed in my phone when I am going through the check outs. I keep my phone in my pocket so as to be courteous and pay attention to my shopping. Then there is habit. I am used to getting my wallet out to pay. Perhaps if it was quicker to unlock my phone I might get into the habit of using it to pay.
Random thoughts and idle musings