Swedish and Norwegian banks have apps that focus on person-to-person transfers. Most of them will let you transfer money by adding your VISA card and using the

Swedish and Norwegian banks have apps that focus on person-to-person transfers. Most of them will let you transfer money by adding your VISA card and using the recipients phone number. Vipps, developed by Norway's largest bank, has gotten 1,5M users in 1 year (approx. 5M are living in Norway). There are complementary apps from other banks and financial institutions as well. Aren't here any equivalents in the US? Any particular reasons why apps like cash.me don't get adopted?