Google & Apple are MASSIVE companies, with more assets than most countries, and literally thousands of employees dedicated to: researching, designing, building, advertising, selling, and supporting their respective payment methods.
Despite that, they both are still struggling to get widespread adoption.
On top of that, you have HUGE (and still 2nd tier) companies also trying to compete... e.g. Walmart, Samsung.
So when a rinky-dink company like IFAN, which has NO software developers, limited funds, no name brand recognition, and no clout tries to break into this market... how much success do you really expect??