Paidby Bank, page-68

Nice. Out of interest did you look into existing Pay By Bank systems in EU, UK, Canada and USA?
I did a little but without living in those areas it is difficult for me to understand if any have good traction - some are single bank based and others are joint bank schemes, others being commercial entities [like the old Poli here is] - but nothing stands out as being used much/dominant at merchant sites.