> you just scan a code with your phone,

And authorize yourself with the banking app, and, and...

It's not less complicated than auto filling credit/debit card details with your finger print on your phone or laptop.

For consumers, Wero, Pix, and similar systems only have down sides for online use. The most important down side is that you can't reclaim your funds if you've been the victim of fraud. Which you can when paying by card.