We need is more "push" payment systems. They are inherently more secure than "pull" since the customer controls the process. This is how it works in Germany. Y

We need is more "push" payment systems. They are inherently more secure than "pull" since the customer controls the process. This is how it works in Germany. You order something and the merchant provides their account number and an order number. You login to your online banking, and send the money. Done. Fast, inexpensive, simple and secure. One big reason why PayPal and credit cards aren't popular in Germany.