Holy hell you are behind if it is as bad as this article suggests.
In Denmark we have two major competing systems (MobilePay/Swipp) for transferring to friends and stores using your smartphone. I don't know much about Swipp, but MobilePay supports QR codes, NFC and Bluetooth. Scan, accept, done.
If you want to send money to a friend or a shop without a MobilePay box, enter the amount and his/her phone number, check that it is the correct person, accept and done. They will get a notification that you sent money within a few seconds. You can also request money that way (which they of course need to accept), and add an optional message if you like.