Britain also has PayM, to send money using a phone number as an identifier, but at least in my bank's app the interface is hidden several menus deep. Denmark's

Britain also has PayM, to send money using a phone number as an identifier, but at least in my bank's app the interface is hidden several menus deep. Denmark's equivalent, MobilePay, is very widely used. I even use it for some online purchases, as the flow is so smooth: - Select pay by MobilePay - (They probably already have my phone number (e.g. for delivery notifications), if not I must enter it. It's 8 digits.) - A notification appears on my phone, with the amount and recipient - Fingerprint and swipe to confirm - That's all. The website doesn't keep any card data, but I still get a very quick checkout process. To send money to friends or family (or small businesses) is also fast: - Open app, unlock with fingerprint - Type in amount, e.g. 100, press Next - Choose a recent recipient, or scroll through my contacts, or type a phone number - See confirmation -- the amount and the person's name as on their bank account, not their name in my address book - Send.