> - money transfers within seconds, rather than day(s) This is higher risk - what if the money transfer was part of a scam/fraud or criminal activity? The bank

> - money transfers within seconds, rather than day(s) This is higher risk - what if the money transfer was part of a scam/fraud or criminal activity? The bank might be liable in these cases. At best, the convenience comes at the cost of (hidden) higher risk for both sender and receiver.