
Many national systems.
Direct free instantaneous bank transfers in the SEPA member states. And the systems built upon it like ideal/wero/blue chip and others.
As far as I know most of Europe favors debit instead of credit cards. Financial life in the EU is organised completely differently from North America (well, at least from USA and Canada, haven’t been to Mexico yet).









Not exactly, they can introduce some drift on clocks. Or send wrong orbital ephemeris. Most commercial receiver would probably stop tracking satellite signals introducing too much differences from the others