Best part of 20 years ago, which is a long time in anything, it's a lifetime in tech.
About 15 years ago I used to work on some projects for greater London authority, we seemed to mostly be squatting on transport for London servers and they seemed to have good tech and people seemed to like using it. 5 years later they couldn't get away fast enough.
These days just tap a contactless credit card is about as good as it gets-while still having the Oyster alternative where the credit card isn’t a good or preferred option.