The first bank that launched a P2P solution in France was "Caisse d'Epargne", with a service named "Movo" in 2007 if I remember well. A big surprise in the SMS Payment industry at this time. The major identified problem for this first mover was identified: both parts needed to open a banking account with "Caisses d'Epargne" at the kick-off. A few years after, a new comer innovates with the same issue: Credit Mutuel Arkea. Customers of this bank are very lucky !