Who said anything about a bank branch? I did it on the Central Bank of Ukraine’s website in about 30 seconds. I don’t know how much I can emphasize what a solved problem this is.
That's a fair point about the existence of payment options that are more convenient than wire transfer, but not every one has a credit card or lives in a country where international e-wallets like PayPal operate.
And the problem of identity being linked to payments, and the risks this can engender, is not a solved problem in traditional finance.
