Personally, all my apps are working fine, even my bank app.
Battery seems the same as 12 and 12.1, didn't noticed a change and didn't changed my way of use.
I can't answer for nfc payment, don't use it.
Os is stable, smooth and works as usual.
Some minor improvements, like timers appearing now in a list and surely more little things but those are surely more from Google side.
As I already said, so far so good...