So, Ripple is saying that SWIFT is slow to settle and unreliable. I wonder how much of that is because of SWIFT itself, or because of how slow and sucky the ban

So, Ripple is saying that SWIFT is slow to settle and unreliable. I wonder how much of that is because of SWIFT itself, or because of how slow and sucky the banks are that are using it? Anecdote: I have a sucky US bank, and a non-sucky Swedish bank. Last year I made a transfer from the US to Sweden, but it was after East Coast bank closing time, so it got scheduled for the next morning's batch transfer. Since I entered SWIFT details for my Swedish bank, I'm assuming the transfer went over SWIFT, but I don't actually know. Early in the morning the next day the transfer happened, and the money was immediately available to me in my Swedish bank account, because that bank doesn't suck. Three hours later I get an email from my US bank saying that they've processed the wire transfer, and I should maybe expect to see the money in my Swedish bank account in three business days... And I'm once again struck by how incompetent, slow, and sucky my US bank is. And I don't think the underlying money transfer technology can do much about that.