Comment by jorvi
Something interesting is that Apple and Google Pay charge a tiny commission (don't have the number at hand). Which banks didn't like, so at least on Android they created their own NFC payment stacks for a while. Only to then discover that maintaining such a stack cost them more per year than the commission.
My German Bank still maintains their own pay stack. It's also nice that I don't have to share my payment information or commission with another parasite