Britain also has PayM, to send money using a phone number as an identifier, but at least in my bank's app the interface is hidden several menus deep.

Denmark's equivalent, MobilePay, is very widely used. I even use it for some online purchases, as the flow is so smooth:

- Select pay by MobilePay

- (They probably already have my phone number (e.g. for delivery notifications), if not I must enter it. It's 8 digits.)

- A notification appears on my phone, with the amount and recipient

- Fingerprint and swipe to confirm

- That's all.

The website doesn't keep any card data, but I still get a very quick checkout process.

To send money to friends or family (or small businesses) is also fast:

- Open app, unlock with fingerprint

- Type in amount, e.g. 100, press Next

- Choose a recent recipient, or scroll through my contacts, or type a phone number

- See confirmation -- the amount and the person's name as on their bank account, not their name in my address book

- Send.