Not sure about the name of the systems, and I've seen them change names a lot over the years
But I think it's a pretty universal thing in the EU, that you're able to pay directly using an IBAN, I've even seen "direct bank tranfer" in stores that sell across the EU
Not really a life hack but: folding bicycles are so, so convenient for everyday use (fits in every elevator, fits under your desk at work, fits in public transportation even when it's crowded, etc)
I really don't know how they are not a lot more common; you only need a mountain bike if you actually ride on mountain trails often enough. Even non-folding city bicycles are way more comfortable for everyday usage (higher handlebar position and cushiony saddle <3)
Pinetime: https://github.com/lupyuen/pinetime-rust-mynewt