Why don’t you like using the default wallet app? I think nothing is way better BECAUSE it doesn’t create all the bloatware other companies do. Having the samsung photo library, samsung wallet, samsung backup and so on is done on purpose so you’d have more difficulty trying to switch to another phone and would be locked as their customer forever.
Also a lot of apps like Barclays mobile banking have their own payment systems, but they’re often buggy and are poorly compatible with other services.
