Pay securely with an Android smartphone, completely without Google services: This is the plan being developed by the newly founded industry consortium led by the German Volla Systeme GmbH. It is an open-source alternative to Google Play Integrity. This proprietary interface decides on Android smartphones with Google Play services whether banking, government, or wallet apps are allowed to run on a smartphone.
I agree, with the caveat that it’s very nice to be able to pay with my phone/ watch if/when forget my wallet, rather than having to go back home to get it.