The Irish banks are all getting together to build a new payments app. AIB, Bank of Ireland, KBC and PTSB have formed a joint venture for the job called Synch Payments.  Synch is going to provide instant payments. It’ll let people send money from their phone directly to other people or to companies, with the money landing in their accounts in a few seconds. They can send money straight to any bank account, whether they’re a merchant or not. And it’ll cut out the need for cards. That small bit of extra convenience turns out to matter a lot. In…