Bank transfers are instant and I don't need to fill in any forms (other than the receiving bank account info) or justify anything, and I get cashbacks both in form of cash and points that I can use at the konbini, etc.
I also don't need to give out any papers showing where I live, instead they send a kind of sealed postcard to my stated address to verify it.
I don't know much about 3-D secure, is that like MFA? If so I guess I have that too, but you're probably taking about something else.
Bank transfers are not free though and I don't get one-time use credit card numbers, mainly because my bank doesn't include a credit card to begin with, but services like Revolut are available here too (just maybe not very popular).
I do agree financial services are generally behind the times here, just maybe not in all the ways some may think.