[littlecranky67]

What purpose does Apple Pay / Google Pay serve other than paying from your smasrtphone? You can use Credit Card NFC payments if you want tap to pay and enter your pin. That workflow is not much more difficult than using a smartphone. And if you prefer using a smartphone - well, don't complain that you have to use a smartphone to pay.

[faust201]

Isnt the aim to remove dependency on Google/Apple? EU should have forced Google and Apple to allow people to use NFC pay without having Google or Apple accounts.

If you talk about using NFC card. Yes, that is available.

Nothing is difficult. Even cash is possible.