You have to use watch then, and having something on my hand is not convenient (or, maybe, pleasant) for me.

Is there a good smart watch that's not an iWatch?

If NFC isn't common in your area and you really want to do watch payments, you can do Samsung Pay on any terminal with a magstrip reader, which is all of them.

Google dropped the ball on wearable tech. Apples slow but steady increase of features has made it hard for competitors to catch up.

Not yet.