An aside: I pay with my phone more often than my watch. It’s physically easier to get my phone out than it is to reach across my body to activate watch payments (which needs two hands), and then twist my wrist to get close enough to the contactless point. In five years of smart-watch ownership, I’ve yet to find a pay point that’s comfortable for wrist payments. In London, the transit system contactless points are on the right as you walk through the gates, but I wear my watch on my left. This all sounds trivial, but it’s at the same level of “in/convenience” that the watch sits at, compared with other payment methods. I suspect we wont see watches take off for payment the way we see contactless cards and phones.

N=1.