In the UK we have PayM which is set up by the banks.
You simply load your bank's mobile app and send money to your mate using his phone number. It's pretty simple to set up and works across most major banks here.
You have no idea how jealous I am of that and your whole SWIFT code system.... ACH is the worst and most things (this included) have to use gross "refund" hacks to send money to a user's debit card because ACH is so slow, unrecoverable, and a large number of people just give you a blank stare if you ask for their Routing + Account numbers.
The Swedish equivalent is called Swish. The transfer is instant and all you need to know is the recipients phone number. Sender and recipient doesn't need to have the same bank.
Swish got some bad press when Moxie noticed that they "borrowed" some code, but the system is easy to use and seems to work well.
You simply load your bank's mobile app and send money to your mate using his phone number. It's pretty simple to set up and works across most major banks here.