For the eBike, a 12 V DC to 48 V DC charger (with roughly 5 amp output) would certainly be the slickest and most efficient solution. I looked for a similar 12 V DC to 24 V DC charger for our mobility scooter. Unfortunately, these are not commonly used and so are very expensive... hundreds of dollars.
An example:
Powerstream:
12 DC Input 48V battery chargers for power plants and electric vehicles US$850
A 12 V to 24 V charger (with 5 amp output) from the same company can be under US$200, but the 48 V output is less commonly needed and so it is more specialized product.