On Smartcards yes, maybe Android, but certainly not on iPhones. On iOS, it's only been possible to implement alternatives to Apple Pay since 17.4 (2024), and only in Europe (EEA).
Ah, I didn't realize the landscape was different on the Apple side of things.
Because it cost money to develop and Google/Apple Pay works really, really well everywhere on the planet.
But they already had their own solutions that worked just fine. I can't see how switching to integrate a new system instead would save on dev costs. There surely must be some other reason?