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Google has replaced the Google Assistant app on Android with Gemini by default
(www.androidauthority.com)
This is a most excellent place for technology news and articles.
It does. It's not without flaws,but 80% of the time it works fine (it has a bug where it loses configured card when switching between multi users - so that's painful,but it's a tinfoil level choice on my part).
Most banks provide their own payment apps to use with NFC payments,but I agree Google Pay is by far better and works perfectly out of the box. But it's google. Next ad would be related to some of your purchase history,so your data is shamelessly farmed.