For anyone who might have issues with the NFC reader there is one important thing to know:
The location of the NFC reader seems to be under the camera (at the zeiss branding).
I had problems getting the NFC to read my NFC chip (yubikey) until I held it close to the camera at about 45 degree angle. Doing this solved it.
Hopefully this is helpful to others.
Yep "under" the camera, I don't know the exact location, but that is where to reception is best. Makes sense, as it is pretty much to only part not covered by the one-piece aluminum body.
I have found the location of the NFC to be to the LEFT of the ZEISS logo as you look at it. Or if looking at the front of the phone, behind the Nokia logo.
Initially NFC and Google PAY did not work, but once I held the corner of the phone to the pay points, it worked will.