I think it's not about that but about dogfooding Swift on the server. Apple uses Go, Java etc for a lot of its server components and refused to invest in hiring people that would extend the ecosystem for server Swift.
There are no european alternatives. These are all european companies but they dont benefit the whole union.
If a germany company gets big it will eat other european markets leaving nothing in those markets and then beg Merz for more immigrants to Germany instead of hiring other europeans.
This is not true. It's just "dodgy security/spyware" startups are more open coming from Israel that they exist than the myriad of hidden companies that you never heard about because they focus on tailored exploits.
>SEPA is instant and no fees outside the EU too, like Norway and UK.
This is not the point. They need to be in SEPA for it to work.
>It's great Thailand has this, but I still fail to see how EU trying to copy Thailand (for a definition of copying) makes you lose faith in the EU. You would rather not have this no-fee payment system in the EU? How is this at all a negative thing?
The point is Thailand managed this due to economic, capitalist needs across different countries and cultures.
The EU is a union and did not even manage to do that as well as Thailand.
PromptPay use is different from SEPA.
My comment was meant that QR payments are already possible with SEPA in EU it's just there exist different systems built on top of SEPA which are not cross compatible and available across the member states.