I find it so weird that there could be that big of issues with 10.3.2. It such a small update form 10.3.1.
Based from what I'm hearing, iOS 10.3.2 was pushed due to the pending Apple Pay support in Italy (minor card compatibly updates). You are not able to use all cards (e.g. VPay) without installing iOS 10.3.2.
Based from what I'm seeing through Xcode, iOS 10.3.3 is the same thing for Germany (does not mean that Apple Pay launches immediately in the near future). Theoretically, with iOS 10.3.3 you would be able to use some german banking cards with Apple Pay.