"The next step is biometric"
Because of course it is.
And thank you for specifying that debit cards are a thing in France (and Europe in general).
It seems to me that "alternative" systems of payment only get traction when a proper banking environment doesn't exist. In China, it's QR codes, in the US, it was PayPal, and now it's smartphone bonking.
I live in France, I work in Luxembourg, and I purchase things in France, Luxembourg, Belgium and Germany (and online, obviously). All with my VISA. I have no trouble doing so, and I don't feel the need to adopt a another payment process. What I've got works. I'm not bothered with sending a friend some lunch money : it'll be my turn next time is all.
And, since I'll never be going to China, I'm not interested in QR code payment. I'm also very much not interested in loading a smartphone with my banking data - until the day you can prove to me that some miscreant somewhere has to do more than send me an SMS to hack it.
Now get off my lawn !