SEPA is nice, except until recently my bank charged me money to use it (fortunately they changed that now). but i don't want to use my bank account for micro payments. i do want a separate wallet for that. my bank account has a credit card that works like that. if i want to use the credit card i have to actively load up money from my bank account before i can use it. i want the same for a digital wallet. i do not want to use my banking app where i receive my income for that. in my case i don't use the phone for online banking at all for the same reason.
simply sending money from my bank account would also not be practical. the whole point is that you can make small payments need to be fast without any security checks. online banking does not (and should not) allow that with your regular online banking account. there needs to be a separate app with a limited wallet that can't do anything but make small payments until the wallet is empty.
simply sending money from my bank account would also not be practical. the whole point is that you can make small payments need to be fast without any security checks. online banking does not (and should not) allow that with your regular online banking account. there needs to be a separate app with a limited wallet that can't do anything but make small payments until the wallet is empty.