Re: Lousy concept of ecommerce?
Quote: 'What would make even more sense though would to link a "paying in" address to your verified mobile number. That way you could send payment without giving away banking account details.'
That already exists, at least in the UK, and I'm sure other places will have the same or similar systems, either now or in the future.
The UK system is called Paym. You only need to resister to receive money, to send money you just need your Bank to support the service and to use your Banks mobile app. The recipient needs to sign up for the service, usually via their Banks web site, and they register a phone number for the service (usually their mobile, or perhaps a business number).
The sender just uses their regular Bank mobile app, selects Paym, types in the phone number for the recipient (or selects them from their contact list), enter what account you want to send from and the amount (there are limits). And click 'Next', the phone number is then validated against registered Paym recipients, and displays their name, as it is registered at their Bank, as confirmation that you are sending to the right person, (and to make sure you've not mistyped the phone number!) Click to confirm, and within hours (usually just a couple of minutes) the money has been transferred.
No need for the recipient to provide any bank details to the sender at all.