We had/have a similar system in Sweden called SEQR[1] (pronounced secure) which were launched back in 2011 but it never took off widely. However a couple of yea

We had/have a similar system in Sweden called SEQR[1] (pronounced secure) which were launched back in 2011 but it never took off widely. However a couple of years later, Swish[2], a similar system by the large banks using phone numbers as the identifier instead (recently launched QR codes as well). Unlike SEQR Swish took off big time in Sweden and is used by roughly 65% of all Swedes. An interesting side note is that Swish originally focused on easy instant transfers between friends while SEQR focused on mobile payments in stores. The "winner" Swish only started supporting payments in stores officially quite recently and it's still not nearly as widely adopted as SEQR was. Basically, any checkout machine in any large store supported SEQR but very few knew what it was and even the cashiers were often surprised that the feature existed if you tried to use it. [1] https://www.seqr.com/ https://www.seqr.com/ [2] https://en.wikipedia.org/wiki/Swish_(payment) https://en.wikipedia.org/wiki/Swish_(payment)