> Sounds like a poor implementation. That's the US we're talking about, I'm quite sure their banks built everything from scratch without taking into account wh

> Sounds like a poor implementation. That's the US we're talking about, I'm quite sure their banks built everything from scratch without taking into account what a few decades of use have taught European banks. It was also slower than is it today when introduced, at least in France (though mostly because connection was over dialup or GPRS).