I've not actually heard mention of digital wallets other than as an idea, before now. I can see it taking some time before retailers are set up to accept them here. We are often behind on technology, so it puzzles me why they even thought Australia could go cashless this year. We, of course, haven't.
I dont use credit cards either, because I avoid debt. I did for a while in England, because you could get cashback at the end of the year for using it and as long as you paid it off in full each month it cost nothing. Here there are fees for them. I use a debit card, which takes straight from my bank balance. You have a limit to the amount you can use on it each day, unless you select it as a "credit" transaction. Then you can go above that limit, but it still comes from the money you already have in the bank and some retailers will charge you for using it.