That's what most people said 10 years ago about the mobile payments (mobile bank to bank transfers, not related apple or Google pay) in the Nordics, but no one is doubting it anymore.
Apple Pay/Google Pay already offers near-instantaneous, highly-secure transactions in most stores - and with good consumer protection. Contactless cards offer the same up to £45.
I can get cashback/miles/reward points too.
What does a bank to bank transfer offer me as a consumer?
The difference between the Nordic countries and elsewhere may be that 10 years ago, these contactless payment methods weren't widespread.
