Well, one of the banking app that I use is really well done (the other one is garbage), it makes my life really easier and has QR code payments included which is how I pay everything online in my country (Belgium) instead of having to use the card reader and it's also how I reimburse my friends if I owe them money.
And it has NFC payments that does not use Google Pay which is also nice.
And it has NFC payments that does not use Google Pay which is also nice.