I don't have any of those apps for the same reason (barely use them, don't want to have even more apps). But I guess you still need to scan your card? The kiosk

I don't have any of those apps for the same reason (barely use them, don't want to have even more apps). But I guess you still need to scan your card? The kiosks have proper card terminals, they work faster than adding card details to an app (with the exception of Apple Pay).