zlacker

>>bwb+(OP)
This is great and definitely doable. It's the initial bit that's hard, people hate switching but then when they get used to it, they won't switch back.

What I'd really like to see is a pan-european payment processor, a European alternative to Visa/Mastercard.

>>202508+eT
What's wrong with SEPA instant?

A payment flow of 'scan code, confirm in banking app' is hard to beat and we're 95% there. And all you need is your own banking app, no shady payment processors required.

You lose some stuff like the credit part of the credit card (although virtually no one I know actually uses credit, only debit cards) and consumer protections (chargebacks), but I don't think those outweigh the extra costs at all.

>>tpxl+QI2
I'm totally sold on scan to pay apps, would be great to pay anywhere in Europe with my banking app.

I still need a credit card when I rent cars and sometimes for online payments. That is an issue.