Swiss/Danish/Finnish Mobile Payment alternatives like TWINT and MobilePay.

Also: physical lockers with PIN/Code instead of keys (in basically every country aside from Germany). It's just completely bonkers to me, that German train station lockers still use physical Keys EVERYWHERE.

I use mobilepay when paying online. Its quicker than the credit card.

But the service is owned by the greedy banks so it will probably end with me abandoning it because it will get too expensive when they have enough users.

I like the keys. The key has the locker number on it, so you don't have to remember anything. And there's no way to screw up setting the pin because of a language barrier, since there are basically no instructions needed for key lockers. FWIW the key lockers are more common in Japan as well.

There’s probably an economy around those keys - people who lose them have to pay an (overinflated) deposit, some company is overcharging the locker owner for key replacements, etc. At every layer someone skims a bit of money, so nobody in power of changing the system is actually incentivized to do so.