I was lumping in debit cards/EFTPOS with credit cards (and of course cash is also an option in stores). If not paying with cash, you use cards/contactless in stores because the terminals are integrated into the POS systems, have instant approval feedback etc. (and literally every card terminal here has contactless that works with pretty much any card and Apple Pay etc. too, which is nice).

To use a bank transfer you need to enter details (phone number or a bank number and account number) and then need either a description or reference number to match it to at the other side. And even with the New Payments Platform (fast payments), it can still take 30 seconds or so to come through. That's fine when paying an invoice or sending money to friends, but too cumbersome at a point of sale.

What do you mean? There’s usually no way to pay without credit card / debit card / cash in most countries. Contactless payments are still not as popular as they could be.