Generally what you're describing is in countries that don't have widespread adoption of NFC payments. In Europe almost every country has standardised NFC payments so Apple/Google Pay is the most frictionless option for users.
Switzerland (which is not a country that doesn't know how to do banking :-) ) uses Twint (a Swiss app) with QR codes instead of NFC. To me it's better than NFC (it works with printed QR codes, e.g. on parking payment machines).
I don't know anyone in Switzerland using Apple/Google Pay, which IMO is a national success.
Switzerland is very backwards on retail banking actually. For example money transfers between bank accounts cost money, aren't instant, and can't be done on weekends.
