[yason]

The point of NFC-on-a-phone is that you don't need the damn banking apps and internet and retailer support for all that to validate a simple transaction. My credit card has NFC, no internet and no app, and it's universal.

[palata]

> you don't need the damn banking apps

You need the Google/Apple app though, don't you? Or can you write your own personal app that will handle that?

[Andromxda]

There are several banks, especially over here in Europe, that have their own implementations of contactless payments, if that's what you mean. Here's a German article outlining this and mentioning a few examples: https://www.kuketz-blog.de/nfc-datenschutzfreundlich-bezahle...