Canada has essentially 6 big banks, instant transfers using Interac has been the most common way of transferring money for years (it launched in 2003) and payment using NFC has been the norm for a decade.
The mobile phone apps are probably just as bad, but e-transfers (Interac, EMT, whatever you want to call it) generally work pretty well. And they're still somewhat of a hassle compared to I guess Venmo or Cashapp or... I've never used those but they seem pretty slick in comparison to having to go into a banking app, set up an EMT Payee using email/phone number, set a password on the transaction, hope that they remember to cash the EMT before it expires, etc.