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There are alternatives to Google Pay in Europe which work on GrapheneOS and it's likely most of those work on a production (user) build of LineageOS with a locked bootloader too. Only a few are specifically permitting GrapheneOS, and those would also be willing to explicitly permit a subset of LineageOS devices too. They'd need to start keeping a bit more of the standard security model and features intact which wouldn't be a large change. They'd mostly just need to make full production builds and start officially supporting locking. Having the privacy and security improvements done by GrapheneOS is in no way a requirement for compatibility with those financial apps.
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This really is really a great development. I really just hope that will be true for the new European Digital Identity Wallet as well and we see adoption across multiple industries.

The state for me personally is that my joint bank account with my wife uses a play integrity protected banking app (changing your own a accounts to a better bank is one thing). Also beyond banks things now require proprietary 'secure' TAN apps like my insurance broker. The issue is that for me every a new problem like this popped up and to find solutions take time over and over. Even thing that work now may stop working the next minute because there is no real effort of fintech and its management to keep compatible with niche devices. It is mostly either coincidence or the effort of tech savvy individuals at those companies.

We only can hope that a large group of people including regulators get sanctioned or mandated not to use any US tech even privately so they see little offer is left even inside Europe that is truly sovereign. I gave up for now (after about 10 years exclusive on LineageOS ). I actually bought a pixel to have Graphene as a way out of vendor ROMs again, but I still don't have the energy to switch (alone reregistration all those TAN apps takes ages often involving waiting weeks for stupi snail mail activation letters)

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I just decided to completely stop paying with NFC. I always carry a few cards with me and Wero is already working in a few spots, which requires just your banking app and a working camera.

I don't even have Google Wallet installed anymore.

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Go even further and carry cash! No technology dependency and "just works".
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I live in Berlin... So naturlich!
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And I’m in Austria. Plenty of businesses still ONLY accept cash. And not just small rural concerns. Had lunch in the city yesterday and the restaurant only accepted cash payment.
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In Berlin they started following the EU law and you can quite often pay with a card. Even in places like biergartens. Still having cash when going to a Kneipe, although last time they also accepted cards which was a bit weird...
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So disappointing really. Won’t someone think of the traditional values.
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Not everywhere, unfortunately. There are places in the world where only accepting digital payments is the norm and they won’t serve you if you pay in physical cash.
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And the problem is people stopped paying cash, thus the facility was largely withdrawn. I don’t know what the answer is, but my gut says if cash remains legal tender, businesses should be obliged to accept it as a form of payment.

Otherwise, vote with your wallet wherever possible and prefer those businesses that do accept cash.

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And even if they theoretically can serve you, one generally doesn't want to be 'that guy'.

I'm glad the option is still there in most places, but it's clear most people don't actually care for cash (neither do I for that matter, other than as a backup solution).

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