You have fast transfers in Germany, but it is new, an extra box to tick, normal online banking is horrible UX and you have to know the IBAN of the account. Giving someone my email is way easier.
Plus it costs extra and many banks don't support it.
It's a mess.
I wish this was faster, imagine paying online by scanning a QR code with your banking app. There would be non risk of chargebacks for merchants and fees could be basically zero.
