I went back to China for a month in December 2019. It's crazy how Wechat payment is now used everywhere. Any shops in China (I believe 99% of them): in wechat, you have "wallet" that generates QR code. Go to any shop, at the counter, show the QR code generated, they have the machine (or wechat app) to scan it. done. Crazy efficient. Most of the people there don't bring wallets anymore. Most of the restaurants in Shen…
Not sure if you know, but at least life in Sweden is pretty close to this. Contactless payments are everywhere (Apple/Samsung/Android pay) and the app “swish” works great for sending payments to people. Even some businesses have a swish QR code displayed in lieu of taking cash payments.
Some shops do more, an increasing large number allow a larger limit. However some large shops (Tesco) only allow large limits on their own payment apps, rather than Apple/android pay, forcing you to use your card and pin!