alt Hacker NewsThe central bank is governed by a direct mandate from the government (and, effectively, the entire population, when dealing with a democracy). Commercial and investment banks are beholden to their board and shareholders. There's a clear conflict of interest in trying to dump a service that should be available to everyone onto a business with narrower concerns.
I have been using iDeal for many years now and have yet to see any of the downsides of it being a product of a commercial bank.
Perhaps it's a difference in banking culture between different countries; I would certainly not put the same trust and faith in a Wero alternative set up by American banks, that's for sure.
Banks are beholden to policy from the central bank and financial authorities. Payment fees are capped, payment processing terms aren't a free-for all, and the power of individual banks is kept in check. The people doe have a voice in all of this, just not in the direct implementation process.