[dheera]

> However, in-person-branch-verification is a big non-starter for me. It needs to be more convenient than visiting a branch.

This is an issue with using AliPay and WeChat Pay in China as well. If you want to access the full spectrum of services including reserving train tickets, flights, and hotels with online payments, you need to get a local SIM card and mobile phone number, and then with that plugged in and working, visit a bank branch and set up a bank account in-person. In theory you can do both of these things in the span of an hour if you go first thing in the morning, but not every bank employee knows how to open an account with a passport and sometimes you'll have to visit 2 or 3 branches until you encounter someone know knows how to do it in their system.

Mobile payments are convenient once set up but they have made the world more fragmented with every superpower country implementing its own system.