The biggest hold-back for me is that, here in Australia, Google Wallet (aka Google Pay) is the only way you can do tap credit card payments that I know of. Can'

The biggest hold-back for me is that, here in Australia, Google Wallet (aka Google Pay) is the only way you can do tap credit card payments that I know of. Can't with Paypal. Not with any banking apps that I know of. It's just so damned convenient. And the recording of transactions on the phone saves me having to collect paper receipts.