The point of NFC-on-a-phone is that you don't need the damn banking apps and internet and retailer support for all that to validate a simple transaction. My credit card has NFC, no internet and no app, and it's universal.
There are several banks, especially over here in Europe, that have their own implementations of contactless payments, if that's what you mean. Here's a German article outlining this and mentioning a few examples: https://www.kuketz-blog.de/nfc-datenschutzfreundlich-bezahle...
