[gnfargbl]

Ah yes, Pierre will surely have no issues paying for his baguette et croissant by filling in the boulangerie's IBAN on his mobile phone and waiting 15 minutes for them to check receipt.

[dgellow]

We have instant bank transfers in Europe. And you can scan a QR code for payment via IBAN.

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