> Whatever they come up with, I hope it doesn't tie you to a Google or Apple smartphone.

The article starts with Wero right off the bat, which a pan-European rebrand and continuation of the Dutch Ideal. The Dutch have been using Ideal everywhere, and you usually use that to pay online. It redirects you to your bank to acknowledge the transaction, and most bank have auth methods where a smartphone is optional. Most often used for sure, but optional, and you can complete the transaction with a hardware reader and your debit card as well.

The only exception are the neobanks like Bunq, which actually are smartphone-only. That one in particular is great if you appreciate the CEO and staff keeping a personal eye on your transactions (no kidding).