I believe that Netherlands is one of the most difficult countries for the banks and Apple.
I don't even know if any bank in NL has their own Mobile solution on Android? Maybe they cannot even finance that from the low fees.
And additionally Apple does not tolerate a payment for ApplePay, which could be a way for Netherlands bank to say, the ApplePay costs you a monthly fee of xx euros.
Banks in the Netherlands do have their own mobile solution for Android. I checked the major 3: ING, Rabobank and ABN-AMRO all have their own apps for Android. Which charges you nothing (ABN) or 50 cents (Rabobank, ING) a month for using it (after some trial months). They use the NFC chip in Android phones and all the pages state that it 'unfortunately doesn't work with the NFC chip in iPhones'.
Meanwhile other wearable payment services are launching in the Netherlands: Garmin Pay launched with ABN and Rabo some time ago, and Fitbit Pay launched with ABN and Rabo yesterday. So Apple is late to the party...