What alternatives are there for Google Wallet/Google Pay? If they are OpenSource better.
Monero.
Otherwise I don’t know if you’ll find an open source alternative to Google wallet, since the banking system overall is very much the opposite of open source
Bank card. Never used or want to use anything that collects my payment information.
Data risk to benefit is minimal with these type of apps.
I only use Google pay with a rechargeable card, so its not a big problem
that’s fine, but really. Why not just throw any 3rd party out? It might be more confortable to grab ur phone than to grab a credit card, but that’s as close as you can get to perfect (with zero effort even).
They have to be certified by Mastercard/Visa, so no chance for open source. A few banks have their own implementation. Apart from mentioned samsung has its own version.
Monero
I have Monero, but i cant use a crypto to pay with my cards with NFC haha
Garmin Pay
Requires a Garmin watch instead of a phone. Not open source.