Good article. A lot is happening for smoothing transactions for consumers and businesses worldwide. Check this other example of s similar system in Portugal: MBWay (https://www.mbway.pt/en/frequently-asked-questions-2/). It’s also built from the traditional banking players, no VCs involved, and it seemed to me that besides C2C and B2C transactions it also has other cool features (getting cash from ATMs without a card, issuing temporary credit cards, etc). I think it has not the adoption rate Swish has, but it’s nevertheless a good example to know.