This app was mentioned in 3 comments, with an average of 2.00 upvotes
It's an wallet app Finnish bank made.
https://play.google.com/store/apps/details?id=fi.op.android.lompsa
You need to have a bank account in OP to be able to fully use it. (Also with the beta version I have you can pay with NFC.)
Both require you to identify.
But here:
https://play.google.com/store/apps/details?id=fi.op.android.lompsa
I don't know about Android Pay, but Pivo applies "K-Plussa" club card before paying.