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This issue is not with Apple not allowing full access to is NFC, but rather the CCC digital key specification that Apple has chosen to implement. CCC has only released the V1.0 of the digital key specification and this is implemented in some Android phones. Apple has chosen to wait for the V2 of the specification to be released (expected Q1 2019). The V2 of the spec eliminates the need to visit the dealer to set up a phone as a key making the whole digital key experience much smoother. The current specification requires the phone to be 'setup' (usually by the dealer) a one-time activity for every new phone or whenever one changes the phone, I would rather wait for the V2 to be released and I am sure BMW/Apple is working closely with CCC on the draft versions of the V2 spec. It will soon be available will be my guess
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