Uber is popular everywhere, including throughout Europe. And as for banking, well, it's somewhat worse in the USA than elsewhere but it's not like Europe is ov

Uber is popular everywhere, including throughout Europe. And as for banking, well, it's somewhat worse in the USA than elsewhere but it's not like Europe is overflowing with awesome hi-tech banks. Yes there are a few "startup banks" in the UK and one in Germany that I know of, and that's about it for the entire continent. Moreover the vast majority of people don't use them and bank with the existing set of firms, many of which have legacy and decaying IT estates. Look at what happened with TSB recently. Total meltdown. Major IT outages in the UK banking sector have become commonplace; you don't hear about that happening in the US.