But we're still at least 10 or more years behind Europe in ATM technology rollout.

In Canada you can send money online (up to a maximum of $5000 for some banks) via email. All you need is the email address of the person you're sending the money to. You don't need their name or accounts or anything else (having someone else's account is a security concern after all).

Basically you create a secret question (free-form text) and answer (also free-form). The question gets sent with the email notification. When the recipient visits the link provided in the email they first choose their bank from a list and then are presented with the question after logging in. If they don't provide the correct answer they can't claim the funds. Ideally you'd have provided them with the answer by phone or in person, not via another email.

The fee is usually the same as a third-party ATM withdrawal, $1.50. Canada is king of service charges as far as I know. There's only one single "bank" that I know of right now where you can have a chequing account that doesn't cost you money every month, even if you don't use it.