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I think people overestimate that feature. Where I live you still have to hand your card to the teller most of the time and nobody is handing their phone over for tap to pay.
I pay with a normal card but I'd say the majority of people around me pay with their phone.
Also, I need to use my bank app to pay for things online. I scan a QR code and confirm the payment with a pin or fingerprint. Correct me if I'm wrong but I think many bank apps also don't work properly with graphene.
Edit: maybe I'm getting confused, I thought bank apps normally needed google play services and that because of that they don't work on grapheneOS, but I don't know if that's correct
hmm how bout round the world?
Like Germans prefer cash but tons go all digital—yuge in China for example, Apple Pay’s big stateside (USA)…
Curious your region btw to expand my knowledge on this
I live in the US and I also just got back from a 10 day trip that had me in 6 different airports around the US and saw basically nobody using their phones to pay. I saw a bunch of people using the translate app, the camera, FaceTime, Apple wallet for boarding passes, but no tap to pay.
I think it’s because the places that use it also have their own apps, like Starbucks. You can order and pay in the app and if you are likely to setup Apple Pay you are probably fine going all the way with the app too. The same is true of Walmart and other major retailers who also specifically don’t take Apple or Google pay because they want you to use their app.
It’s heavily used everywhere else in the world, the US is well-known to lag behind on payment technology. It’s like travelling back in time when you go there.
I pay with my phone literally everywhere in Canada, haven’t opened my wallet in months. I was in the US last year and they didn’t have mobile payment terminals at restaurants so you always had to pay for sit down service at a counter, always wanted me to sign for tap, kept calling it Apple Pay instead of tap or contactless, had places that would only swipe a physical card which isn’t even allowed in other countries anymore, it’s crazy.
Walmart takes tap in Canada, they were one of the last holdouts. The “individual app for each service” thing is very American, even American companies abroad don’t do it because they’ll lose business. It’s the same thing with cash transfers. There are 100 different private ways to send money in the US. PayPal, CashApp, Facebook Pay, Apple Pay, Venmo, etc.
None of those exist in Canada because we just have Interac e-transfers. Hard to compete with free & automatic support by every bank account in the country. Other countries have similar systems. The US has Zelle but as far as I know that was implemented way later and doesn’t have the mindshare.
So random that the USA is lagging behind in this regard, travelled Europe - everyone using phone pay, and in Australia my home country, it's pretty much the only way people pay nowadays.