Sinéad Ryan: If I can tap my credit card to pay for a bus journey in London, why do I have to wait until 2028 to do it here?

I was in my local shopping centre the other day and there was a group of buskers trying to collect a few bob. To be honest, they weren’t great (or at least to my taste), but it appeared they were collecting for a homeless charity, rather than themselves, so I was happy to contribute..