With tap-to-pay, you can store multiple cards in your digital wallet, and you don't have to remember any of their PINs. You can use your fingerprint to sign transactions. I believe this makes it faster.

There's also thresholds where a simple tap of a card won't work and you need to insert the chip, not the case with the phone. Phone is much much easier, don't even have to open the wallet app, just unlock the phone with your fingerprint and tap.