Comment by IvanK_net
15 days ago
It should be enough to make it mandatory for banks to let people send money to each other for free, even abroad (within the EU). Then, at the shop, you can simply pay by making a bank transaction through the internet banking (which can be a phone app, a website, etc). The payment details (account number of the receiver, the amount, etc) can be transferred through NFC or a QR code.
Money would go directly bank-to-bank, nothing in the middle.
What is the benefit for the customer? This idea seems to only give minor benefits to businesses and no benefits for customers.