[jszymborski]

Canada's interbank network Interac has allowed for "Interac eTransfers". It's run as a for-profit, but since it's a consortium backed by banks in Canada, most banks don't charge for eTransfers.

Among my friends, it's the way to pay for e.g. your share of the take-out, or pooled office gifts.

[rockostrich]

Similar things exist for banks in the US. For example, Zelle is a product created by a company owned by a number of US banks that is integrated into those banks' apps as well as most other banking apps (my smallish credit union uses Zelle). I tend to use Venmo still because more of my friends have it and I think most people in the US will stick with Venmo unless the barrier of entry for a new system is negligible.