I always wish we had some sort of standardized way to do Oauth-style payment via e-banking. As in, I go to onlinevendor.com and click "pay", it redirects me to my bank, I log in and accept the charge, it directly charges my bank account.

Online payment is the only reason I have a (pre-paid) credit card, but it really doesn't need a credit card. I don't want/need "credit" and since it's online a "card" is useless. We already have e-banking for many things, why can't I use this for payment?