We have a mixed system here, as contactless pay with cards and the local solution using QR Codes came at a similar time, but local banks did block apple pay and other phone solutions (you had to order a credit card from services like boon to use apple pay). Small events or business like shops on farms have just the QRcode, no terminal. Later, banks allowed apple pay directly and the terminals got an update to show QRcodes. And the local solution allows bank to bank payments in seconds without fees. These facts and the case that internet connection is pretty good anywhere here, has let, that most people have the local solution and at least a NFC debit card. And since debit cards now can be added to apple pay, many have this too. Sadly I know no statistics how well the local solution can hold against the nfc payments What I know is, that nearly zero people pay with cash anymore