I would say that a lot of countries in EU are ahead of US in eliminating cash as well (wether this is good or bad can be discussed). The new EU Payment Service

I would say that a lot of countries in EU are ahead of US in eliminating cash as well (wether this is good or bad can be discussed). The new EU Payment Service Directive 2 (PSD2) will essentially force EU banks to open apis for account information and payments to third parties.