[overdrive110]

The Nordic countries all have bank-backed apps for instant transfers from a checking account indexed by phone numbers. It basically replaces every peer to peer transaction that would be cash in other countries (paying back a friend, buying something at a flea market, chipping in for a gift at the office...)

[freetonik]

In Finland, bank-backed apps became less popular (and some even closed down), and MobilePay[1] became the most common way to send money around. I believe it's very similar to Venmo.

1. https://mobilepay.fi/