Just to clarify, the Danish mobile payment system (cleverly named: MobilePay) is based on debit cards, not bank to bank transfer.

The system that was designed to do bank to bank, without the card systems being involved failed horribly. It was late to market and the launch has horrible mismanaged and covered in unnecessary secrecy. MobilePay had already launched and crabbed a large share of the market, the secrecy was completely pointless and I believe it was partly to blame for the massive failure of the solution.