Contactless payment systems are prevalent in Australia. And even before tap to pay we were able to insert cards, enter a PIN and pay. What has happened in China

Contactless payment systems are prevalent in Australia. And even before tap to pay we were able to insert cards, enter a PIN and pay. What has happened in China is that they payment systems have been baked into the apps where, in Australia, this occurs at the terminal (EFTPOS as an example) which is app agnostic and tied directly back to the bank gatewys.