Italy has Satispay which has pretty good user penetration, at least among the younger crowd.

Satispay's killer feature is that it's aimed heavily at paying bar and restaurant checks, which is more common than sending money between acquaintances.

So if you share your location with your app, and the restaurant you're in is a Satispay merchant, it will show up automatically as a receiver without the need to scan codes or anything.

I'm sure other countries' payment apps have their own neat little features that others don't. Best case scenario would be for a common infrastructure to be adopted by all of them, and then they can interoperate and compete on feature sets, or even merge.