If QR codes are such a big UX plus then i hate to break it to you but all bank apps in my country read and create QR and people use it all the time. SEPA includ

If QR codes are such a big UX plus then i hate to break it to you but all bank apps in my country read and create QR and people use it all the time. SEPA included. Its quite lovely on invoices i must say. Whats probably not there is that not every EU country uses this but that is matter of time. The banks are international, popular features spread. It will probably become standard very soon.