Here in Sweden we'll get a service called swish from Q4 2012 and onward. This should open up possibilities for instantaneous payments p2p, possibly even allow for decentralized exchanges and a host of other improvements (think everything mintchip would allow).

Not sure about developments in Denmark, or the rest of Scandinavia.

https://www.getswish.se/

This should be on all Danes radar too. Danske Bank is one of the providers who have signed up. It might be that it's easier to implement in Sweden due to the fact that we only have 4-5 big banks whereas you Danes have an incalculable amount of different banks.