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Europeans are so far ahead the US in mobile payments its not even funny.

As a European living in the US I don't get that. Seems very similar to me.

SEPA Instant (UK Faster payments) has been in market for a few years now. While the Federal Reserve is still working on rollout plans for FedNow.

The US "instant payments" is Venmo/PayPal which are secondary to the banks not primary.

Although not in euro, but Denmark has MobilePay that’s instant.

NL here. We use Tikkie for similar needs as MobilePay. Although the ability of merchants to simply display a QR code for their customers to complete the transaction is a convenience I miss here.

Fellow Deutsche Bank customer??

don't forget the QR code