I’ve seen that done in Germany, and I was kind of shocked. You could only pay using NFC from the banks’ app.

As blatantly anti-competitive as it may be, I don’t want to be in a position where, if I want to pay for something with my phone, I’m forced to use whatever shitty application my bank decides to implement (I’ve had banking applications just decide to stop working for a few days, for no apparent reason; there are banks that have countless applications, each doing something slightly different, with complex, oftentimes downright hostile authentication methods, involving combinations of these apps)

I like the fact that, regardless of card I use, they’re all exposed through the same simple Wallet application, that always works.