Poland has BLIK, a system where you request on your mobile app "I want to get paid X PLN". You get a number. You provide this number to the one who will pay. They input it in their app, the app shows the amount, you confirm and the payement is done.

We have Paylib in France, i did not try it yet but it seems that they want to do something similar. It is just that this is France and it will be impractical, limited and painful - as our banking is usually.