[Hikikomori]

It's instant and much simpler than logging into your bank. Many EU countries already have their own alternatives like swish and vipps. Can pay with just knowing the phone number, scan qr code, even quite common in stores. No fee at all for private use, small merchants just need an app, no additional hardware.

[raron]

This is true for the official SEPA Instant Transfer and the standard EPC QR code format, too.

https://en.wikipedia.org/wiki/EPC_QR_code