The scanning of the QR code is unfortunately a bigger issue than one can imagine. Takes slightly longer and is slightly more complicated than just blipping your credit card. Enough so to dissuade most people to use it.
I'm afraid you're wrong. We've had something very similar to Wero in Sweden since 2012 - it's called Swish. It helps, but it unfortunately doesn't get rid of the need for visa and mastercard.
Does anyone have any experience with Zeitkapsl? I switched to Ente almost a year ago and am generally happy with them, but I'd rather support a European company if they're offering more or less the same solution.
It's time for unity between Europeans, not mockery.