The iPhone has apps from banks.
The 950 XL does not, or at least I never installed any. Furthermore, if such apps did once exist, I would strongly suspect they are no longer being maintained, because Windows itself is about to cease receiving security updates.
I’ve installed the apps on my iPhone, but I’m in two minds as to whether they stay there, or if I delete them. The apps offer another route for criminals to hack my bank accounts, and I don’t like that. On the other hand, I presume the banks do know what they’re doing when they create their apps.
The iPhone also offers Apple Pay, which I’ve simply not explored. Right now, I have no need of another mechanism to spend money!
All the same, the very presence of such apps means Apple win this comparison.