HarmonyOS (especially meaning Huawei phones) is pretty much dead outside China, that's like saying WeChat is relevant messaging app outside China
if you can't run all your favorite bank apps in your phone any phone is dead nowadays, no matter whether it is Linux or HarmonyOS
and seems EU is fine with keeping Apple/Google duopoly in app verification, so although you can use European bank and pay with QR codes without MC/Visa, you still need US company verifying your phone so you can use European bank app, sad state of current things
if you can't run all your favorite bank apps in your phone any phone is dead nowadays, no matter whether it is Linux or HarmonyOS
and seems EU is fine with keeping Apple/Google duopoly in app verification, so although you can use European bank and pay with QR codes without MC/Visa, you still need US company verifying your phone so you can use European bank app, sad state of current things