[Saline9515]

This system is really subpar, because it excludes people that don't have a local bank account. I remember in Estonia not being able to book a doctor appointment because the website only had those means of payment, but no "pay with credit card" option.

On the contrary, credit cards are a neutral standard, which is interoperable. It can be improved but it's vastly better than bank OAuth.

[sobani]

I have trouble imagining how you'd get a credit card without a bank account.

[Jochim]

Foreign bank account that isn't part of the scheme.