I see some core team on this thread, so just wanted to say THANK YOU! Awesome job! Keep fighting for the users!
I'm totally the wrong person to offer recommendations on mobile, but so far it works very well for me, but then, I use almost no third party apps, and none of them are Play store only. My only complaint is the hardware (outside of their control).
In Sweden we typically use Swish, which again works great.
"Tap to pay" things are problematic though but it's not something I personally use (even before I migrated away from stock Android).