It's genuinely shocking how far behind the USA is in terms of consumer banking. I moved from Chicago to London about six months ago, and I can't believe how muc

It's genuinely shocking how far behind the USA is in terms of consumer banking. I moved from Chicago to London about six months ago, and I can't believe how much more convenient it is. You can wire money to anyone with a bank account without an intermediary like Venmo or Zelle from your phone, either as a one-off or recurring. I can revoke permission to draw regularly on my account from my phone, so I don't have to go 10 rounds with the gym or something to quit. You can pay for anything you like with a tap of your phone, and it takes maybe a second to clear. My credit cards never leave my possession. I still have the envelope of cash I pulled out when I got here in February, minus maybe £40. I haven't needed it!