That's the thing I was trying to say. The card doesn't have a UI. With the phone, the fingerprint or facial recognition might fail etc. With the card, it cannot go wrong, you just tap your card on the reader.
Then add that you don't need to carry a wallet if you have phone payment. Throw your phone in a sleeve (or use a watch!) and go running, stop for your smoothie on the way home.
Finally, since it's a phone I can call it when it's missing or my watch will tell me if it's in the Uber I just got out of. Even works when intoxicated!
https://embeddedsecuritynews.com/2017/06/romanian-lender-int...