There are more than 90 mobile phone-based person-to-person (PSP) money transfer services in the 23 countries of the European Economic Area (EEA). Nearly all are closed-loop systems. Many are integrated into a mobile banking app. However, even within the same country, mobile money transfers from one bank account to another can’t be completed between people using different closed-loop P2P systems without a manual exchange of payment data between the sender and recipient including the 34 alphanumeric characters that comprise the International Bank Account Number (IBAN). EquensWorldline has l...