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Good job by both countries. This is how it should be done. Govt sets the standards with input from industry and anyone who has a license can build apps and compete with each other. Not a fan of the proprietary walled garden approach, e.g. ewallets and the like.
Hasn't stopped the banks from doing it either way. It's frustrating when shops end up using bank-specific protocols that force you to use the bank app to pay rather than the country standardised protocol.
E.g. Having to use DBS's shitty app to pay because shops use their protocol instead of the nation-wide PayNow standard which works with GPay.
Singapore = 9 letters
Indonesia = 9 letters
Modern "journalists" and their headline trends :^)
Not saying good, bad, right or wrong - We need to understand what this all means. Here's a good start. https://brettscott.substack.com/p/casino-chip-cashless-society