It's not about convenience. It's about security. The apps are far superior from a security perspective. Leave your card locked up at home so no one gets it when they steal your wallet.
Whose security exactly? Certainly not mine. If my wallet is stolen and I make timely reports my liability for any fraud on my credit cards is exactly zero. I have three credit cards but only ever carry two. Even if those two get shut down for a week while I await replacements I've got my third one at home.
One of my cards was tied up in the Target breach and even though I'd never had a balance higher than $1,000 on a $10,000 limit Bank of America let some fraudsters exceed my limit by over $15,000 making multiple purchases of $2,000 worth of gift cards within minutes of each other at a Sams Club before calling me to verify the activity. About a week later I got new cards in the mail along with an affidavit to sign which I gladly did. I was surprised to see that in the end when they reversed the $25,000 in charges they didn't bother to reverse the 2% cash back I earned on those purchases. I called three times asking them to adjust that as well. Finally after letting the credits sit on my account for six months with no reversal I said fuck it and spent the $500. I'm still a customer and never heard another word.
I don't care if my phone would be more secure because at the micro level it doesn't affect me one bit. One might say that we all pay higher costs because of fraud and while that's true if all fraud went away tomorrow the consumers would never see a dime. When the big bad banks had their debit card interchange fees significantly curtailed we were all told how great it was for the consumer. I didn't see a single price drop anywhere. I did, however, see CEOs of big retailers celebrating their increased profitability to shareholders specifically citing reduced expenses in the transaction processing category. So basically instead of one asshole group of companies exploiting consumers we just shifted it to another while patting ourselves on the back for doing something good for the little guy.