US banks seem so backwards in so many ways as an outside observer. Transferring money between accounts of different banks, the prevalence of contactless payment

US banks seem so backwards in so many ways as an outside observer. Transferring money between accounts of different banks, the prevalence of contactless payments, digital communications as standard, even the fact that cheques still exist. This is all stuff we take for granted in Aus and it just blows my mind each and every time it comes up that US banks are so behind the times.