In Portugal, the main interbank agency manages a service for secure online payments, where it issues a short lived credit card and with a limited amount of cash on it.
It’s called mbnet.pt
I would like to propose revolut a similar system.
Besides the persistent virtual card, users would be able to issue other virtual cards with a one month validity date, and set the maximum amount they could pay (taken from the user revolut cash account).
That would allow for even more secure online payments.
Please let me know if this is something you are interested or ask further questions.