Sorry by "account numbers" I meant a standardised system of these, serving as foundation for electronic banking. In Norway: That single account number is all t

Sorry by "account numbers" I meant a standardised system of these, serving as foundation for electronic banking. In Norway: That single account number is all that's required to send someone money, with amount mandatory and an optional reference. From what I know, they've tightened security down a fair bit and require TFA devices etc, so it may not be as easy as in Australia. In Australia: On my Android device I use biometric authentication (fingerprint) as a shortcut to the username password that is required on first time login; the username is different to my account number. When transferring to a new recipient, an SMS confirmation code must be entered. I already explained what destination information was required, but omitted that for BPAY, we require our customer number reference. Once entered it is saved, which means a manual bill payment is easy as: Log in, select payments, select recipient, dollar amount, submit then confirm => done. (Including login I can pay say my ISP bill in less than 30 seconds). Of course these can be made recurring. I would say this electronic, biometric model sounds significantly easier, but then I've never lived in a place where banking is so paper based so that's just my world view. (I received a bank cheque some time ago and honestly had no clue on how to cash it, so rare is this. I learned that our ATMs now feature scanners for depositing, but it took nearly a week to clear).