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Why can this be so difficult?

and much deeper here: https://www.finextra.com/blogposting/15451/seamless-access-to-data-in-digital-europe

Expensive, slow, uses more energy than New Zealand. Who is benefitting - criminals, terrorists and speculators. 

Let us hope so - but the Finnish e-payment model is as secure as a bill payment - and this has been running in e-banking since 1979 - without problems. The only problem here is that it is not a 4-corner model - and the merchant has to sign up with several banks - but then there are not that many in a small country..

Customers prefer it and merchants save costs and get the money in real time.

If the airline goes bankrupt you get your money back from the card issuer. The e-payment anno -96 is simply called e-payment. At the time it was introduced there was a lot of efforts to make card payments more secure - and the marketing for this managed to scare customers - so a familiar bill payment like e-payment was needed for e-commerce.

Implemented in Finland in the 90s - now dominating. But does not guarantee delivery - so in cases like risky airlines a credit card is better.

Central banks have a very important mission - namely to more or less force banks into stepping into a new layer of good for society at large - where only they have a real pole position - thanks to trust. e-ID, e-invoicing, e-receipts etc are the ecosystems urgently needed. Central also for the Single Market.

Banks are in very central positions when data is needed for a long range of contexts for human customers (Ms Same Guy in private and enterprise roles..). Banks have the best starting point - trust - in the data economy. But they need to come together to create the supporting ecosystems needed. With KYC in the legislation, PSD2, GDPR etc it is very difficult to understand why so many are sitting on their hands - starting from offering e-ID services with the bank e-Id...

What kind of privacy is at risk - I wonder? I have never for a moment hesitated to use cards and always shun wasteful and dirty cash. Of course, if you are in shady business or tax evasion - cash is your best friend. And if you are in cash transport or ATM-business you might be tempted to ride on ignorance instead of trying to enlighten...But those days are over..