[self_awareness]

Europe, just adopt Blik.

Even Polish banks discourage using debit cards directly and just switch to Blik.

Lost card? There's no card, so doesn't apply. ATM skimmers? Nope, I think all ATM support Blik, so can't sniff anything. Want to send money to a friend? Instant mobile-friendly transfer. It's even possible that the family can pull the cash out from the ATM from your account when you're in a different city if you'll give out the code.

[mrsssnake]

Not anonymous even for small amounts of money. Without tricks and workarounds Blik apps requires Google/Apple approved smartphone with Google/Apple approved build of the OS logged into Google/Apple account. Participation in the network is tied to private will have Blik association even on small scale.

[self_awareness]

I don't think having anonymous transactions is the goal for most people. For sure it's not the goal for Blik. The requirement of having a Google/Apple-cerified phone is a requirement of bank apps I think, not Blik's.