Instant bank transfer using your phone or laptop, smartcard + token.

If I were to wager then I would bet that at least half the population would be unable to make that work.

I don't know anybody in real life who accesses their money via a phone. They can do it via a computer, but most people I know don't have laptops.

Wild, lik Americans talking in another thread yesterday about cheques.

Most people I know over 70 have internet banking on their phones. Every adult I know under that age does.

Where do you live where this is incredibly rare?

> I don't know anybody in real life who accesses their money via a phone.

I don't know anybody that doesn't. And that includes 80+ year olds... mobile gear is how people interact with the internet around here and the internet is how people interact with their banks.

Aren't those reversible? I would never agree to such a transaction with the reversible method of payment.

No, they are not reversible.