EU being dependent on duopoly of American companies for online payments has been bothering me more and more in recent years. Good to see something happening in

EU being dependent on duopoly of American companies for online payments has been bothering me more and more in recent years. Good to see something happening in the subject. In Poland, there's BLIK which is a pretty cool thing: a system developed by all major Polish banks, you only need an Android/iOS app of your bank, which generates a 6-digit token valid for 120s, then you use it on payment processor website, or to withdraw money at most ATMs in Poland. Then you get an in-app push notif to confirm the transaction fee and recipient. Are there any similar solutions anywhere where you can withdraw money without physical debit/credit card? (I'm surprised BTW I never saw an ATM compliant with Google Pay/Apple Pay, they all want plastic)