Not completely similar but here in Norway we have a number of telephone companies but we still have a working mobile money solution (Vipps) since the banks actually managed to cooperate to create an (mostly) buttery smooth experience that doesn't seem to care a bit (as seen by the customer) about what phone, what plan, what provider or what bank you have.

Edit: IIRC - anyone who remembers exactly should feel free to update - it was a startup that created the first version, then I think it was bought by one of the major banks but now it seems to work completely decoupled.