Counterpoint: here in Israel we had (only) the bank apps on Android for 2+ years, and they were a combination of "okay" and "awful". My bank's app required to unlock your phone (with biometric auth), an app-specific pin code, and had a 30-second window. It then didn't work 30% of the time and required turning NFC off and on again to work. It took them over a year to change to "just unlock your phone".
Then Apple Pay launched here, contactless adoption on iOS became triple of Android's (despite Android having more than double the phones), and a few months later Google Pay launched in response with their better implementation. I'm guessing it was a combined "in response to Apple" from Google and "maybe this will increase adoption" from banks.
Then Apple Pay launched here, contactless adoption on iOS became triple of Android's (despite Android having more than double the phones), and a few months later Google Pay launched in response with their better implementation. I'm guessing it was a combined "in response to Apple" from Google and "maybe this will increase adoption" from banks.