For your second point, I think you meant FeliCa. Osaifu-keitai is the name of the integration with phones, but FeliCa is the name of the far superior NFC standard that never took off outside Japan.
felica did see usage as university cards but when I say "Osaifu Ketai" I mean the entire business model surrounding it too. Only Hong Kong successfully implemented it.
Apple pay/Google pay is too slow, requires internet and has too many gotchas. And the entire thing is controlled by Apple and Google there's no competition. It's basically back to same old Visa & MasterCard duopoly.
