[pcardoso]

There are plans for interoperability between the various European payment apps.

My local app (MB Way, PT) can be used to send money to Spain and Italy. Others will follow.

https://www.mbway.pt/a-interoperabilidade-e-o-futuro-dos-pag... (link in portuguese)

[Daedren]

Yes but this is merely an abstraction of SEPA Instant transfers to not have to write an IBAN when sending money.

The issue to solve is payments, Portugal for instance has its Multibanco payment scheme, but it's only used in Portugal. I assume eventually it'll be cobranded with Wero like it happened to Netherlands' iDEAL and eventually fully replaced.