Total Score: 29.5
Of all the functionality on the iPhone, I think Apple Pay is the closest to a killer app. I started out using it on my phone, but once I bought the Watch, that became my go-to for paying at restaurants and stores. It is quick and much easier. Most of us keep our phones extremely handy – special pocket or place in our purses. From a woman’s point of view, sometimes my wallet is a bit lost in my larger purse. So, paying with my phone is perfect!