BLIK is very cool. I've seen people who were out of cash call family or friends, tell them the six digit code, and their payment was done in seconds.

In Czech Republic we have QR payments. They're ok, but could be more streamlined...

We have MobilePay - looks like it’s made by Vipps. It’s my preferred payment method these days and works great for things like farmer markets etc. zero fees and you can verify you got the right counterparty in seconds. I also pay e-commerce with it. The technology is not complicated to have an excellent payment system! People who think getting rid of Visa is impossible have not travelled anywhere - I even see people talk about PayPal as a good example smh