I don't think it is. If you want people to move, you need to give them something. And SEPA but with phone numbers isn't it. At least not for me. Especially if it means that I am dependent on whether my bank implemented it.
I have recently seen people surprised when they sent a Wero transaction and the other party could see their IBAN.
I think it's maybe a regional thing. Most people in Germany seem to have PayPal and a lot of them are aware of their buyer protections. I had to use them myself once.
PayPal seems to be a default for online purchases and transactions between people.
I have recently seen people surprised when they sent a Wero transaction and the other party could see their IBAN.