The European Mobile Payment Association (EMPSA) consists of 16 members in 17 European Markets, representing more than 90 million users, more than one million merchants and hundreds of European Banks. Current members include: BAMCARD (Bosnia and Herzegovina), Bankart (Slovenia), BANCOMAT (Italy), Bancontact Payconiq Company (Belgium), Bizum (Spain), BLIK (Poland), BORICA AD (Bulgaria), Bluecode (Austria and Germany), DIAS S.A. (Greece) iDEAL (Netherlands), MobilePay (Denmark and Finland), Plick (Italy), SIBS (Portugal), Swish (Sweden), TWINT (Switzerland) und Vipps (Norway).
Interop by means of a shared standard wouldn't require a monopoly. Heck, we already have SEPA direct deposit, all we really need is a user-friendly frontend for it.