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PayM would be the easy implementation of this, it's the generic mobile phone based bank transfer system for the UK.

In Denmark, Sweden, Norway, Finland the same shop would have a phone number. You type the phone number into the app (which shows the name as confirmation), the amount, and press send. It's not tied to any particular bank.

Unfortunately, the UK system isn't really catching on. Instead, my friends seem to be using proprietary apps which only work for friends at the same bank.

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