In Poland we have BLIK for a few years already. All major banks participate in it, and it's both P2P (send to target phone number, which will behind the scenes

In Poland we have BLIK for a few years already. All major banks participate in it, and it's both P2P (send to target phone number, which will behind the scenes resolve to a bank account) and web payments (use a one-time code from your bank app and then confirm in the app, without sharing any permanent data like card numbers). Also, it's instantaneous and free. And in fact almost nobody in Poland uses Revolut nor PayPal for P2P, everybody uses BLIK. People do use Revolut for their great exchange rates though.