In my opinion the US is far behind with regards to retail banking. For example, in the US they are still arguing about real-time payments [1] while we had in ye

In my opinion the US is far behind with regards to retail banking. For example, in the US they are still arguing about real-time payments [1] while we had in years in most countries in Europe. We will probably have cross-country realtime payments with EMPSA [2] before the US has national realtime payments. With Fednow [3] having 2023-2024 as a target. [1] https://www.politico.com/story/2019/07/19/big-banks-prepare-battle-fed-faster-payments-1605935 https://www.politico.com/story/2019/07/19/big-banks-prepare-... [2] https://www.paymentscardsandmobile.com/independent-mobile-payment-systems-in-europe-form-european-mobile-payment-systems-association-empsa/ https://www.paymentscardsandmobile.com/independent-mobile-pa... [3] https://www.federalreserve.gov/newsevents/pressreleases/other20190805a.htm https://www.federalreserve.gov/newsevents/pressreleases/othe...