> Just to clarify, the Danish mobile payment system (cleverly named: MobilePay) is based on debit cards, not bank to bank transfer. This is incorrect. MobilePa

> Just to clarify, the Danish mobile payment system (cleverly named: MobilePay) is based on debit cards, not bank to bank transfer. This is incorrect. MobilePay started out as a layer on top of Dankort (Danish debit card), but after gaining sufficient volume they made a deal with all Danish banks to enable direct bank-to-bank transfers (without using the Dankort infrastructure). The only difference between Swipp and MobilePay is that Swipp started out only supporting bank-to-bank transfers (thus only supporting a few banks) while MobilePay started out using Dankort (thus supporting all banks). And, as soon as MobilePay had sufficient volume, all banks were interested in circumventing the Dankort network.