nothing more than a targeted advertisement tool for Google. tap and pay is the only thing is really good for and at times it's kind of pointless when you were trying to use tap and pay and have to stop to put in a PIN code. so much for touchless. I've already unlocked my phone with biometric authentication or whatever means but yet when I use the tap and pay nine times out of 10 I have to stop and put in a pin code it defeats the purpose of convenience. yeah it's only a couple seconds but meh.