Same in Finland, although most people still use contactless cards instead of Apple/Samsung/Android payment apps. But since they work on the same terminals, it's

Same in Finland, although most people still use contactless cards instead of Apple/Samsung/Android payment apps. But since they work on the same terminals, it's really easy for people to switch when they want to. I'd go all in on Apple Pay if not for the fact that the grocery store I go to has a loyalty card program and I can't use that with Apple Pay. Luckily the loyalty card is tied to my bank card, so I can get the loyalty card benefits and pay with the same tap.