Isn't a wrapper making the ergonomics better valuable enough?

In Sweden we have Swish for domestic transfers, if I could use Swish (or if Wero took it over) the same way to transfer money to my friends living in other EU countries I'd be very, very happy.

What kind of functionality PayPal offers that is much better? Using cards instead of direct debit?

That’s what EMPSA[1] is trying to push. But Swish aren’t particularly interested in playing an active part.[2]

[1] https://empsa.org/

[2] https://nyheter24.se/nyheter/ekonomi/privatekonomi/1452366-d...

I don't think it is. If you want people to move, you need to give them something. And SEPA but with phone numbers isn't it. At least not for me. Especially if it means that I am dependent on whether my bank implemented it.

I have recently seen people surprised when they sent a Wero transaction and the other party could see their IBAN.

Vipps which is available in Sweden supports this system.

I know the Swedish government is also pressuring swish to integrate with vipps. So I guess you'll have this ability soon.