> Though unrealistic, all things considered, there needs to be a single site for everything (akin to pirated tv/film sites, incidentally). I'm from the Netherl

> Though unrealistic, all things considered, there needs to be a single site for everything (akin to pirated tv/film sites, incidentally). I'm from the Netherlands. I live in Sweden. In both countries the banks have been able to set up a shared service to make digital payments easy for consumers, despite them being competitors[0][1]. In the Netherlands we also have one national transport chip-card used by all public transport providers[2]. Based on that I would say that what this may need is just the right amount of (and type of) government regulation to force the different competitors to play nice enough to create a better end-product for consumers and to compete healthily with each other. I won't pretend to know what that regulation would look like though. [0] https://www.tikkie.me/ https://www.tikkie.me/ [1] https://en.wikipedia.org/wiki/Swish_(payment) https://en.wikipedia.org/wiki/Swish_(payment) [2] https://www.ov-chipkaart.nl/home-1.htm https://www.ov-chipkaart.nl/home-1.htm