[durnygbur]

It's more a problem why European countries gave up to American Visa/Mastercard duopoly for cards, where the alternative is... Google Pay/Apple Pay duopoly for mobile. Their only answer are miserable local debit/ATM card systems working only in individual European countries, or superfrauds like Wirecard.

[zirgs]

You don't need Google Pay to pay with a phone. I use my bank's app for that. It works just fine without Google Pay.

[durnygbur]

Can you pay with your bank's app in a neighbour country? Does it simply boil down to a virtual Visa/Mastercard card?