Amount and payee authentication is unfortunately not. It would require updating all payment terminals in the field – the last time we tried that (i.e. introducing chip support) it took literally decades (and we're still not done).

You don't need to unlock your phone to pay amounts under 30€ in my country. You just need the screen to be on.

I'm quite glade it's like this actually. If I had to fiddle with the phone every time I wanted to pay, I would just use my card.

nitpicking, but contactless cards as far as I am aware cannot be "skimmed" (a process of copying the information from a magnetic stripe and creating a cloned card). If the payment terminal can handle a chip, it will refuse to downgrade the security. In addition, countries are marked as chip only, which means it's almost impossible to get a bank to authorise a transaction for a card that should have a chip in a country where most readers are chip-capable. And if the card was suddenly used in a non-chip region, any good bank would block it.

All you can do with contactless is relay the signal over the internet, but that introduces delay and can sometimes be detected by the reader.