Who cares? What is the obsession with banking apps? From a privacy perspective, one does not want tap to pay or banking apps on their device. Setting that up gives the bank/a whole pipeline of interim companies access to every transaction you make as well as phone telemetry, whether or not you use the tap to pay service. Carrying a card or paper money is so simple.

It’s a novelty, sure, but who wants tying their ability to purchase, drive, go through airports, and such, to an electronic stalking tether with a limited battery? Much simpler, as others have said, to use tools that do not require battery.