/cont SEB has added friction to making a SEPA payment.

Instead of a single screen form, I first had to register the recipient. Successfully doing so led to a dead end. I then had to use the hamburger menu to go back to the payment screen and then navigate to the SEPA screen. I selected the recipient, put in the amount and note, added it to outgoing payment list, and then signed with BankID.

This experience is why Visa and Mastercard get to take 2–3% of countries’ GDP.