In my country (Belgium), mobile payments are a big thing using the national payment network (Bancontact). Lots of small shops don't accept cards and only do mobile payments because of the lower transaction fees.
These mobile payments only work with your banks app or a dedicated app (Payconiq).
My current approach is to put all these apps in my work profile which I can turn off (using Insular from F-Droid). Only apps for which I need background activity or instant notifications (Signal, an open source podcast app, and sadly WhatsApp) are installed in the main profile.
Sadly, this approach still requires me to have Google services always running in the background for a functioning Play store in my work profile.
These mobile payments only work with your banks app or a dedicated app (Payconiq).
My current approach is to put all these apps in my work profile which I can turn off (using Insular from F-Droid). Only apps for which I need background activity or instant notifications (Signal, an open source podcast app, and sadly WhatsApp) are installed in the main profile.
Sadly, this approach still requires me to have Google services always running in the background for a functioning Play store in my work profile.