Pakistan has this government facilitated payments infrastructure called Raast. Its not private, so it work directly from bank account to bank account. It works

Pakistan has this government facilitated payments infrastructure called Raast. Its not private, so it work directly from bank account to bank account. It works great, and avoids vendor lockin. This plus the mobile wallet boom (basically mini bank accounts with far less barrier to entry) means you can now pay quite a few (unfortunately not most yet) normal street vendors with this. I think thats a great system