Thanks for the screenshot. You seem to have an Islamic app offering to install, and the clock in your picture seems to be 2-3 hours ahead of me in UK, which probably places you somewhere in Eastern Europe or the mediterranean region. Please check availability in your country for functions like Wallet and Apple Pay in Apple's current feature list for the Apple Watch. Hopefully your country is listed as available.
watchOS - Feature Availability - Apple
I notice there are a lot of functions not showing in your screenshot which I see on my devices (screenshot below for comparison). Check the features list, and if you think there are many items missing but should be available, I suggest the next step might be to unpair the watch then pair and setup again to refresh all the software.