The predecessor of Wero (iDeal) has been in use in The Netherlands for almost two decades. Nobody has credit cards here and everyone does online shopping with iDeal
To add, on top of iDeal (I think they're on top anyway, they're digital payment whatsits anyway) there's an age verification system using a similar protocol - where a website gets a "yes this person is >18" signal, nothing else, from the user's bank. And there's "tikkie" (payment request), allowing people to request money through a link and people's own bank account - no need for everyone to use the same apps or services like paypal or cashapp.
The predecessor of Wero (iDeal) has been in use in The Netherlands for almost two decades. Nobody has credit cards here and everyone does online shopping with iDeal