[smileybarry]

Counterpoint: here in Israel we had (only) the bank apps on Android for 2+ years, and they were a combination of "okay" and "awful". My bank's app required to unlock your phone (with biometric auth), an app-specific pin code, and had a 30-second window. It then didn't work 30% of the time and required turning NFC off and on again to work. It took them over a year to change to "just unlock your phone".

Then Apple Pay launched here, contactless adoption on iOS became triple of Android's (despite Android having more than double the phones), and a few months later Google Pay launched in response with their better implementation. I'm guessing it was a combined "in response to Apple" from Google and "maybe this will increase adoption" from banks.