[diftraku]

I personally prefer to use contactless cards or Google Pay instead of MobilePay.

The major reason behind this is mainly due to how MobilePay integration was done with the card terminals over here in Finland: you need bluetooth (or in some cases, a camera to read a QR-code) to start the payment transaction. I believe this is primarily due to Apple restricting the use of NFC to Apple Pay (and other first-party apps).

Another big reason is that my bank has native support for adding cards to Google Pay through their own app.

I do still use MobilePay very often over my bank's own transfer app (Siirto). MobilePay was one of the first ones to the market (if you exclude the app/card scheme Elisa had a few years ago, currently owned by Aktia) and is still faster than asking for someone's IBAN.