It's a mixed bag, locally, only really like tech guys/gals knows about SPay and use it. So far I've encountered a small amount of people with Samsung phones actually utilizing it. And most of them are also young peeps. That's for locals anyway.
But with Singaporeans, it's all kind of people using SPay/AP, so far I've only encountered a few with APs but they're not only young peeps, while locally so far I've only met one parent that used their SPay in the public(On a Z Fold 2 5G?), and not much else after that.
I'd wager a guess that most people locally is not really that into using SP/AP, I myself have friends in college that were rocking Samsung phones and only ONE of them even remotely used it, although most of them are using iPhones as well(Not even a tip about AP back then locally and SP only launched like 2 years prior in MY market), so I guess local peeps are just that unaware of what their phones is capable of and is still living in the 2010s era, partially to blame I'd say is probably cause of our education about technology here is MEH at best. One of the best examples I can think of is YouTube, search up "Samsung Pay Malaysia" and there's barely any videos of it, and some of the views is only at 1000s, meanwhile removing the Malaysia part, the top result has half a million views. AP gained traction through the onslaught of people getting iPhones locally, and YouTube fueled that with teases of it in other countries, Singapore as the biggest "hah got you" kinda deal.
Locally people are split between Apple/Samsung and other Chinese brands(Oppo/Vivo/Huawei/Xiaomi/etc etc). And the chinese brands doesn't really offer similar technology except Huawei, and I'd wager that 99% of Huawei users doesn't know they have a wallet app that can physically emulate key cards without any rooting. It's just people not knowing the technology exist and how to take advantage of it, making techies like us frustrated that they had no idea such tech existed.
Another example is *AE, who actually knows about it being WAY better than the *2U app, I certainly didn't at first and my friend introduced me to it. Imagine having to introduce an app through a friend of a friend and not themselves pushing the adoption of it. It's just all done half ass, lazily. Like "Oh btw we have this new thing, but we don't really push it cause

idk we're lazy of something". Really do hope with the publishing of AP, people will actually start to understand how much more capable their devices is and not just TikTok consumption devices, can only hope it does and benefits especially enthusiasts like us.
is Mae better than m2u? Haha I didn't know it. You are right.