There's mobile payment apps worldwide like yappy and UPI, that don't have a web interface and are local monopolies. Even worse they are sometimes controlled by a single large bank, not a government and not a consortium so you're entirely beholden to their (confidential) decisions, whatever they might be. It's not like in the US where you have Venmo, Zelle, and Cash app, or China where there's WeChat and alipay.