Faster payments was able to work because the UK gov forced them to do it. The UK has the advantage of having a few very large banks (unlike the US that had arou

Faster payments was able to work because the UK gov forced them to do it. The UK has the advantage of having a few very large banks (unlike the US that had around 15,000 different banks). The government was able to get the dozen or so banks to work together and get same day ACH working.