Berliners will soon have to pay fees and other payments to the administration via the payment system Wero. This was decided by the digital committee of the House of Representatives, according to a report by Rundfunk Berlin-Brandenburg (RBB).
Wero – a combination of We and Euro – is a digital payment service that allows money to be transferred by providing a mobile phone number or an email address. It is intended to be positioned against US payment services such as Paypal.
I think they’re doing what you want? Where I live we basically have had this system since 2006. I can use my debit card for online banking, online purchases, in store purchases, personal transactions (for example sending money to friends, instant and free), and for public transport. No need for a credit card or something like venmo.
There’s a case to be made about privacy and such, especially the public transport part, but it is really convenient.