I bunq 's focus is primarily on functions that are useful to customers throughout Europe. IDeal is only used in the Netherlands. Still, I think that bunq should invest in this. I think IDeal is the most efficient online payment method in all of Europe. It should be a blueprint for (new) European payment method.
Consumers often do not notice it, but many payment methods cost the web store a percentage of the turnover. Just take a look at https://www.mollie.com/nl/pricing/ . Many payment methods require a percentage between 1% and 3%. If this payment method is used extensively, web stores must pass on these costs to product prices. So in the end the consumer pays.
In addition to the low costs, there is something else that makes iDeal unique. Namely that it is a fairly open system. If services such as Paypal, Apple pay or Whatsapp pay become the service, that is bad for the competition (innovation and prices). Alpple can ask what it wants for Apple pay and it doesn't even have to work well, because nobody else can offer mobile payment on the iPhone. Furthermore, all this income flows to American companies, do we want that?
With iDeal the costs that parties have to pay are public. This is much less open at credit card companies. Moreover, the design of the credit card system ensures that the costs are high.
When banks are all nice to push their own system again (went with the chipknip as well). It is very easy for a large international party to grab the entire cake. So build an open system such as iDeal and stop pushing services like Tikkie and Payconiq.
Invest as a bank in a good implementation. Because you can be distinctive in that. Just look at bunq . Paying via iDeal is really super easy via bunq . Much easier than at other Dutch banks.