Nordea, with nearly 11 million customers, is the largest bank in Scandinavia. It is also the largest customer of Nets, the region’s top cardholder and merchant processor. With support from Nets, Nordea has started to offer its customers the ability to initiate bill payments within Norway from Facebook Messenger. The consumer initiates the e-invoice payment while in Messenger. However, they execute the payment at a secure site operated by Nets—the same site used to complete mobile banking transactions. The user interface deployed by Nordea gives the impression that the consumer has never...