> And to send payments across friends there's instant bank wires

That's nice (when it's free), but banking apps are clunky, unfriendly, heavy and slow. Unicredit and Intesa, two main Italian banks, both have apps that are atrocious to use and riddled with annoyances.

People want an easy and quick way to send/receive money (Satispay does that almost well).

And for some banks Wero seems like it's going to be available through your existing bank app. Which is a no-go for me.

> That's nice (when it's free), but banking apps are clunky, unfriendly, heavy and slow.

They are all fine for a simple wire transfer.

I do have Intesa myself cause I've got mortgage through them and sending a wire transfer is both simple and fast.

So is on our other accounts: BBVA (Italian), mBank (Polish), Credem (Italian), Mediobanca (IT) and XTB and Revolut (both PL and IT).

I think you're really describing a 10 year old non-issue.