I chose Apple Pay, though several on the list were strong contenders.
Apple Pay because it not only made things easier on the phone, but it made a huge difference generally. In the eighteen months before Apple Pay, I had to replace three cards due to credit card info being hacked at companies like Target and Home Depot. The pure hassle of your card being compromised has a lot of ripple effects, including dealing with autopay and so on.
So, even though adoption of NFC payments was slow in some areas (I’m looking at you, anti-Apple Pay consortium whose name I can’t remember), and I still get comments from cashiers marveling at how I can use my Apple Watch to pay for things, the fact that I can use the wallet to store tickets, vaccine records, gift cards, and pay options without worry has improved my life, not just my phone experience.
When Apple Pay came out, I was still on an iPhone 5c. I got my first Apple Pay-enabled phone in 2016, so at least a year and a half after its launch. I went into a Kohl's to buy something. I knew from keeping up with such things that Kohl's accepted Apple Pay. So the clerk rang me up, and I tapped my phone. Evidently she didn't see me do it...she said, whoa, what happened? It says here you already paid! She had expected to get a credit card. I had to explain Apple Pay to her before she would let me leave.
Fast forward several years. Just last year, in fact. Again, in Kohl's. I go to check out, and I ask the clerk, really just as a courtesy, do they accept Apple Pay? She says sure, just call up the app. The app? She wanted me to call up the Kohl's app on my phone, and it would generate a QR code, yadda yadda...
I said you're kidding me, right? I'm not using your app. Don't you just accept Apple Pay? Sure, she says, like I said, just call up the app...
So I thought, "screw it" and took my phone and held it to the terminal. And of course it just worked, because Kohl's accepts Apple Pay. And of course she was confused as all get-out.
*eyeroll*
BTW, I know what you mean about people being surprised about my being able to pay with the Watch. I got the Watch early in the pandemic, so I was wearing a mask everywhere, and just using my physical card instead of fumbling with my phone password. And my daughter, who works in a grocery store, told me one day how it still took her aback when she saw people pay with their Watch...and the lightbulb went on. Now, even though there aren't barriers to Face ID for me, I would just rather use the Watch.