Comment by whizzter

Like someone else who made the "SEPA in trenchcoat" comment, it's all built on tying phonenumbers (universally available and easily connectible) to bank accounts and relying on SEPA instant for the money.

The only thing to make sure is that QR-codes,etc that are often tied to apps will be supported for routing/connecting between different apps.

Like the Swedish Swish app when asking for money produces a QR-code that says, A+(my-phone-number) , if that's universally recognized by the apps as an ask-request then an Italian app scanning my QR code will be prompted send money and the Italian system will query the Swedish counterparts what account is registered to that phone and then just send the money over SEPA when the request finishes.