In the Netherlands I take my phone and send money to friends, companies, tax services etc, for free in about 15 seconds... arrives within minutes usually. Then there's iDeal which is nice, too.

Creditcard payments are a different story, also pretty quick but not as seamless, and not as popular either. I only have a CC to buy some stuff from other countries, or when I leave the continent although my regular debitcard worked in 4 different continents so far, too... Tbh my CC is pretty much collecting dust.