Nah. In Europe, Venmo is just not a thing, because bank transfers are free and fast. IDs are a plastic card, just like almost everywhere else.

Banking apps are a bit more problematic, because most people (and probably banks, idk) prefer if you use those not just if you have a smartphone and want to do banking on it, but also as a second factor for when you want to log in on your desktop.

There's plenty of alternatives (TAN readers, for example), but none as simple or seamless, unfortunately. But bank websites are fully featured (and usually more so than the app, actually).

You use an IBAN to send money. Yeah technically it's your bank, but it's a digital transfer without a middleman.

You can even put notes on it to pay invoices.

Thoughts on GNU TALER??

Is it what we should all be using? What are its flaws and shortcomings?