As I mentioned in the beginning of the thread, that time has arrived that I upgrade, I have to choose between Lumia 1020 or GS4, as much as I love Nokia products, I just may take the Android first time in my life...... Having used my friend's Note II for some days, the availability of Apps and Speed really got me hooked..... Especially Banking Apps which I use the most in business.... Now I noticed Lumia still lacks this type of Apps, I love the camera though.... And I don't have enough faith in Jolla, banking apps etc..