Or (more Likely), unlike their Chinese counterparts, American banks are way more conservative with adopting new technologies. Hence why y’all still get paid with paper cheques :)
We have contactless payment with EMVpay/Apple Pay. There are some QR code systems like Venmo but I don't know what the value add of scanning a code is supposed to be.
Nobody gets paid with paper checks unless they want to, although if you're poor and have been blacklisted by the bank system you might take it so you can use a check cashing service.
People have their habits. I do increasingly use my Apple Watch (or a contactless credit card) to pay but my observation on the outskirts of a large East Coast metro is that effectively no one does.
I still use checks for service people and some other purposes, e.g. when there's a fee for online payment.
Or (more Likely), unlike their Chinese counterparts, American banks are way more conservative with adopting new technologies. Hence why y’all still get paid with paper cheques :)