In Sweden I think the bank system have really stepped up with their apps and our transfer times are pretty fast. We also have things like Swish, https://en.wiki

In Sweden I think the bank system have really stepped up with their apps and our transfer times are pretty fast. We also have things like Swish, https://en.wikipedia.org/wiki/Swish_(payment) https://en.wikipedia.org/wiki/Swish_(payment) , which is great as well.