> I don't know about America, but when comparing payment infrastructure in Europe vs. Asia, I'm always amazed at how bad the EU is. Europe, Asia, EU... why mak

> I don't know about America, but when comparing payment infrastructure in Europe vs. Asia, I'm always amazed at how bad the EU is. Europe, Asia, EU... why make such meaningless generalizations? Have you ever done banking in Japan? > Even if I'm using this "immediate payment system", I'm pretty sure my local bank will still delay my payment by a few days "because they are used to do it that way". You realize there are EU directives behind the standards implemented by banks? SCT Inst has to be operated 24/7, and transfers available at the receiving end within 10 seconds.