Google's monopolistic stranglehold on Android results in poor experience for power-users, and artificially restricts choice for those who have older phones. For example, Google Wallet is the de facto way to use NFC payments on Android. There's one problem though - it only works with Google's Android. If you have the temerity to install a 3rd party Android OS - like the hyper-secure GrapheneOS - …
In Poland some banks directly use NFC for contactless payments, thanks to that I can pay with my degoogled phone (Murena Fairphone 5).
Same with Crédit Agricole (France), works just fine on LineageOS.