Yeah you just enter your recipient's IBAN in your 2FA banking app, and that's it. The transfer gets processed in about a business day.

If you want the "check" experience, you can also fill out that information in a form and hand it to a bank teller.

Yeah and that's the "old" way. We can do it even faster here with local bank transfer, and then instantly with Swish.

We barely have bank outlets let alone tellers here though. That's the downside. Trying to deposit cash or check is quite painful.