Giro was nice 15 years ago What giro system are you talking about here? Do you mean the postal giro system that has existed in Europe since the 1960s and has b

Giro was nice 15 years ago What giro system are you talking about here? Do you mean the postal giro system that has existed in Europe since the 1960s and has been used for postorder shopping since before the Internet existed? That system was already obsolete in NL last century when we had the first digital invoicing systems via e-mail (and digital personal banking via dial-up), and we've had direct online payments via iDeal since 2005. Are you saying that some countries are still relying on paper-based payment instructions in 2025? I don't know a single bank that offers an "address book" in their online banking app/website. Conversely, I don't know a single online banking portal that does NOT offer such basic functionality. Santander, ING, and Rabobank all do. And because the system comes with a degree of anonymity What do you mean? Every payment in my bank's transaction history shows the account number on the other end of the transfer.