https://en.wikipedia.org/wiki/Blik
Instant payments
Money transfers over phone number
2 minutes payment codes that you type on e.g website and accept payment in app
Shopping example: https://www.youtube.com/watch?v=hBw1qa07gGU
Dutch banks have supported instant payments for a couple of years now, and the way person to person payments are most often done is through something called a "Tikkie" which involves sending someone a payment URL (via any messaging platform or a QR code) which then opens their own banking app on their phone.
And many have somewhat adept ways to convenient setup bank transfer between two people (e.g. through an qr code), standardizing this would be a much bigger improvement then just standardizing the first part.