Banking. In the EU I can just ask someone for her account number, input that in my bank account app, and the money would be in her account in an instant. Same w

Banking. In the EU I can just ask someone for her account number, input that in my bank account app, and the money would be in her account in an instant. Same with for example cash register payments. They would show in my banking app immediately, even if I was in another country. Also online banking apps are much simpler. Just account, payment, date, description and a contact list.