Here in the US we have Zelle which is okay-ish. Participating banks let link the email and mobile phones you have associated with them, senders just enter those

Here in the US we have Zelle which is okay-ish. Participating banks let link the email and mobile phones you have associated with them, senders just enter those in and it will display the name of the recipient. It’s not ideal, but at least since banks have KYC to deal with you know the name is correct. I pay our landlady every month via Zelle and it’s a lot better than mailing checks, if nothing else.