I really like the tap & pay method only I tend to switch a lot between accounts that I use. It would really make paying a lot faster that after tapping the tap&pay widget I would get a list of accounts from which I can pay (maybe still keep a default for people who just want that). In that way I can click on the widget and choose my groceries account or my gifts account or anything else and I wouldn't have to go in the app and change it with every payment.