[baronofcheese]

In Denmark we have two competing solutions. One is MobilePay, where you register your credit card and then you can make payments to contacts in your phone book which are also registered. It doesn't matter which bank you have. No fees, however there is a 2500 DKK limit of how much you can use and receive each day. The other one is Swipp, which is a collaboration between all the small banks, which is integrated in their mobile banking apps, which kind of works as MobilePay, it is just tied directly to your account. The MobilePay one is the most popular and stores have begun to accept that as payment as well, making it possible to use NFC or a QR code which you scan in the store when you check out. Some smaller stores just have a phone number you transfer money to. Works pretty well and has been for the past ~2 years.