This is great and definitely doable. It's the initial bit that's hard, people hate switching but then when they get used to it, they won't switch back.

What I'd really like to see is a pan-european payment processor, a European alternative to Visa/Mastercard.

I would love to switch away from Teams. Sadly the organizations I belong to do not want to pay for anything else.

was talking to a friend about this, there's wero but i haven't really seen it around (Germany).