I don't see what the advantage would be. Apple Pay/Google Pay already offers near-instantaneous, highly-secure transactions in most stores - and with good cons

I don't see what the advantage would be. Apple Pay/Google Pay already offers near-instantaneous, highly-secure transactions in most stores - and with good consumer protection. Contactless cards offer the same up to £45. I can get cashback/miles/reward points too. What does a bank to bank transfer offer me as a consumer? The difference between the Nordic countries and elsewhere may be that 10 years ago, these contactless payment methods weren't widespread.