[FabHK]

> IBAN - which is fine but definitely not as intuitive as an e-mail address or phone number.

I see how that makes sense for most people, but I have so many emails and phone numbers and change them so frequently that I find it somewhat spooky. Providers can re-assign a phone number after some time, and when I transfer money using a phone number the app does not show me the name of the recipient before making the transfer (understandably, as that would be a terrible privacy leak), so I don't feel comfortable doing it...

At the same time, I am pretty sure that banks are loth to re-assign an account number, and if they do so, have processes in place that are adequate to the significance of that (as opposed to telco providers, who presumably did not intend for their phone numbers to serve as an identifier for money transfers...)