[Markoff]

Why do you need 3rd party app and middle man to show you QR code for instant SEPA payment?

All Decathlon had to do was show QR code with payment details which you will scan with ANY APP you prefer to use (most likely your bank app you have already or if not like me, you can use other ways).

This doesn't seem like progress at all, quite the opposite, just force all the shops show you QR code for SEPA payment without this 3rd party nonsense and pay with whatever (bank) app you prefer based on payment details in QR code.

This is supported by ANY OS, heck for what's worth you can scan code with QR reader in browser and use online banking in desktop mode to pay with whatever phone you use. Replacing US Visa and Mastercard companies with US Google and Apple companies doesn't seem like any improvement at all to me, it's actually worse since it is easier to get/use bank card than phone for small kids/seniors.