[gambiting]

In Poland a lot of stores accept BLIK payments now which are instant online payments from your account. You open your banking app on your phone, it shows you the BLIK code, you give that to the merchant who types it on their terminal, then within couple seconds you get a popup on your phone saying "Merchant X is requesting payment of Y PLN, do you agree?" if you press yes then the payment is sent instantly to them, both sides get a confirmation.

It's also fantastic for payments over the phone because you no longer have to give anyone your card number/expiration/cvv(how this is still acceptable practice in UK is literally beyond me), the code is single use only and you see who you're paying and how much.

[PlkMarudny]

Good luck with cancelling this transaction for whatever reason, however.

[gambiting]

Sure, but vast majority of day to day transactions that people make do not need this kind of protection - I don't need the ability to reverse my payment when buying groceries at Lidl or paying for petrol. When buying a laptop or a phone, I would use a normal card exactly because it offers certain protections - but most day to day transactions are absolutely fine with what is an equivalent of a direct bank transfer.