I use it. its not offered at all the places that I shop. Actually, its only offered in 1 grocery store out of the 4 that I shop at. Before I enter the store, I launch the app so, I do not have to wait until I get to the check stand to launch the app. I use BofA which is not an offered bank in Softcard so, I have to do the AMEx thing.
Its much easier to pull the card out of the wallet to pay for stuff then it is to launch an app especially when you have a loyalty card to scan too. For example, when I am at Walgreens I have to scan my loyalty card and then pay with the phone. Makes it awkward to jump between multiple screens, would be nice if the loyalty card was linked to AmEx so, it would do it automatically. I tried to use Google Wallet with the Note 3 hoping that it would be easier, but it really is not and for me, it did not work 100% of the time.
I heard that the Apple Pay process is much easier. I have thought of scrapping the Mobile Pay quite a few times as its really more of a hassle than its worth. I would not use it as a motivator to go to Apple. My wife has a IPhone 6 plus and the device looks really nice and its easy to hold in the hand. Apple does make things easier which makes it attractive. Maybe the next generation Apple Pay might get better.