The current Finnish solution for this problem is to use one of the two mobile payment services that allow person-to-person payments using a phone number as the

The current Finnish solution for this problem is to use one of the two mobile payment services that allow person-to-person payments using a phone number as the identifier: https://siirto.fi/ https://siirto.fi/ https://www.mobilepay.fi/ https://www.mobilepay.fi/ Admittedly these aren't anonymous as the recipient will get your name and phone number, but the convenience is arguably even greater than what's possible with cash.