I wouldn’t call this a monopoly. It’s an association to let users of one country’s service send money to users of another country using a different service. Bizum at least (and I guess many if not all of the rest) is a joint project, you use it from your bank’s app, any bank you choose. Until this it was only easy and fast to send money to accounts within the same bank which made people going even more into the big ones. Now a Pole, an Italian, a German, a French (yeh I know), and a Spaniard can have dinner at a restaurant and pay their share conveniently without making the server’s day longer, and without having to subscribe to any other app or service than their good ol’ bank accounts.