It's also useful in that you can pre-order a Shinkansen ticket, for example, and link that purchase to your Suica card, which you then use for the Shinkansen gate. If there are other fees (which there may be) they're just deducted from the money the card holds, as usual. Makes everything very simple.
For me a physical card is easier than using a phone. A phone is so much larger so I would need to get it from a pocket somewhere, while the Suica card I can keep in my jeans pocket or some other easy place.
In Prague city transit does not have limiting gates. If you bought unlimited ticket, you just walk in bus/tram/metro and that is it. No touching, scanning, showing, nothing. Maybe once a month (or even rarer) you might encounter a patrolling controller who would ask you to show your ticket, but that's it.
Makes for such a smooth journey as most people are doing the right thing.
(yes, the antenna is in the top FaceID/Dynamic Island area, Osaifu Keitai spec requires a □つ icon wherever antenna is located, which Apple managed to completely ignore)
Because it's not the easiest setting to find: Settings/Wallet & Apple Pay/Express Transit Card
Every time I see a shoddy piece of work, I know which constraint was sacrificed.