Poland has a neat system - you input one time code into the sellers payment processor, and then you get to confirm the payment in your app. Code is one time us

Poland has a neat system - you input one time code into the sellers payment processor, and then you get to confirm the payment in your app. Code is one time use, valid for 2 minutes - and you can see all the details in the confirmation that comes from your banking app. you can also use the same system to tie your phone number to your bank acc, letting other people in this system send you money instantly without extra fees between different banks - and you only need to share your phone number.