Re: Doesn't matter if the features have been available for years...
Spot on. The problem with the Android approach is trust. In Apple's case, there is one (1) vendor to kick if it goes wrong, who are you going to kick if your Android NFC is less than perfect? Vendors such as Samsumg or HTC? Google?
When it goes wrong, I suspect they will all blame each other and you'll be left wondering if there will ever be an update to fix it, whereas Apple won't have much of a choice. Personally, I think that's a much safer position to be in when it concerns your money.
As a matter of fact, I see Apple Pay as a main driver to finally get those Apple ID security problems sorted out - now they will have to comply with much harsher, externally imposed standards. It's about frigging time, their Single Sign On approach can really do with some updating.