As another comment here points out. People don't really use credit cards here. Everyone has a debit card which supports contactless payments without a pin up to €20. Which is enough for most use cases.
Even better, in the country where I live, almost all debit cards have a number and a Cv2 code. So you can pay online at any place that accepts credit cards.
Transactions are free and instant. Within a second of paying I can see the transaction in the mobile app of my bank. Hell, it sends notifications for every transaction if you want.
> Even better, in the country where I live, almost all debit cards have a number and a Cv2 code.
You don't have this in every country?
Not in my home country. All banks give out Maestro cards. While the country I live in right now gives out Visa Electron cards.
In Europe not only credit cards are contactless, but also debit cards. Furthermore, in some countries you have to carry an ID at all times, so you would have your wallet with you anyways.
Regarding safety: contactless only works for rather small sums. Anything above that requires a pin.
Plus, if you lose your card/wallet it is a pain to change numbers everywhere. While you don't need to do that if you lose your phone as real card numbers are not stored in the pay apps. Besides whoever finds the phone needs to go pass your lock screen to get anywhere near that.