This is the problem with pretty much all of the EUs attempts of getting away from US infrastructure. One of the VISA/MasterCard alternative is also a bloody app, on a smartphone, with an operating system from one of two US software gigants (One of which is know to give zero fucks about privacy).
If the EU wants to continue down this road, step on has to be a mobile operating system. Avoiding tying solution to people phones would be better.
The second part of my comment was /s. I wish banks, institutions, and governments would fuck off from my smartphone. Best I can do for them is web browser and email, if they want to be on my smartphone then do a mobile website.
If the EU wants to continue down this road, step on has to be a mobile operating system. Avoiding tying solution to people phones would be better.