I'd say Denmark, with Danske Bank's MobilePay, are quite far ahead. Allows transfers to customers at different banks, as it's card-to-card transactions. You can also use it to pay on the web.

I ran Debian/kFreeBSD for a couple of years as it was the only/best way I could get ZFS support. But there were several packages I needed which weren't available, others outdated, and Ubuntu got native ZFS support (https://launchpad.net/~zfs-native/+archive/ubuntu/stable), so I switched to Ubuntu, and have been happier with that. However, standby mode on my Intel Atom MB hasn't worked with either distro. :(