As an European I’d say over half of my mobile payments are already via a QR code (it triggers a direct debit from my bank app). It’s infinitely faster than going through online checkout forms.
I am French, use mobile payments and would be interested to see a payment qrcode (never seen one)
Also, when you mention Direct Debit, is this the mechanism which allows a merchant to draw on your bank account? There need to be confirmed with the bank before (though maybe it is possible now to have that in one step, which also has your consentement)
Also 1) only works up to a daily limit which you can configure 2) it’s a SEPA transfer, goes straight to another local, very traceable account and not a random bitcoin wallet in case you try to pull that off :)
