In Denmark we have MobilePay and Swipp. The former works with your phone number and credit card, and the latter works with your phone number and bank account. W

In Denmark we have MobilePay and Swipp. The former works with your phone number and credit card, and the latter works with your phone number and bank account. When you want to send money, you send it to the receivers phone number and they can see it seconds later in the app, and on the account shortly after. It's really simple, though I probably would use it to pay for rent. For payment between parties we have multiple systems. For one time payments we have FIK (a Danish way to request and pay between banks), for recurring payments we have "Betalings Service" which is basically an automated version of FIK, and lately automatic CC billing. I don't even think I can write checks anymore. I can request one from the bank for a fee, but I've done that exactly once in the last 15 years, when I bought my car.