Surprised that no one has mentioned Google Wallet (https://www.google.com/wallet/send-money/). You may have issues sending money outside of the US, and a Google account is required. No fees and I've never had a problem with it.
So basically the only reason why people use PayPal is because of international transfers, and as an option to that you propose something which only works in one country.
Sounds great.
Huh?
Does that make me the only one who uses PayPal solely because a bunch of people selling things online use PayPal and it's somewhat more convenient than having to fork over my credit card info every time I want to buy something?
Selling things online, on the internet, where there are no country borders.... Sounds like international transfers and payment to me.
Am I missing something?
Now try to repeat that trick with a nationalized bank-service.
[citation needed]