Hi guys,I am looking to buy this phone as I was before an Samsung user(S7 edge and s9) and currently I am using an iphone 11 that has served me well but it’s starting to show it’s age. My only reasons that I don’t jump directly on buying one it’s because I am afraid that it still has those amount hiccups and stutters and how it’s the banking apps and payment work compared to apple pay? Can you give me your experience of you changed from iphone to s23 ultra?