Comment by Freak_NL

This is what Ideal/Wero does. Because this is the standard for webshops in the Netherlands (and rapidly expanding to the whole EU) the only gap left to fill was that of consumer-to-consumer transfers with just a QR code to scan. Tikkie I mentioned above solves that well enough in the Netherlands, although that bank-run app is horribly laden with stupid ads and deals you can't seem to turn off.