I’ll be honest, I’m very confused about what you mean when you say that Google Wallet isn’t a thing. I pay with my Android phone everywhere, so ubiquitously that I’ve frequently left the house with just my phone and keys.
Do you mean America, where contactless payment is far less frequently accepted, or the concept of clicking on a “Pay with Google Wallet” style prompt on a website?
Others have recommended other file explorers, but I use FX and rather like it.