What I've seen so far and what I've heared from Turks in Europe is that European banks are like 10 years behind Turkish banks in terms of services. In Turkey yo

What I've seen so far and what I've heared from Turks in Europe is that European banks are like 10 years behind Turkish banks in terms of services. In Turkey you can send money to another bank account instantly even on weekend nights, open USD, EUR, gold etc accounts anytime, opend lots of different types of accounts, send money easly by providing receiving end's phone number, citizenship number, email, IBAN, Swift etc, open virtual credit card that you can refill and empty at any time, apply credit card, pay bills automatically, lits of stock buying options, login to your egovernment account using your bank account, notifications when you receive money, apply for credit card online, you can cash out from ATM without clicking buttons but scanning barcode from your bank app, when you call your bank they use 2FA using your voice, from online account you can change your repayment options for the credit cart like repay in 3 months (hire-purchase?) this spending, lots of 2FA options like SMS or app code or flash mobile message, Troy credit card, if you keep your mobile phone number same but change your SIM card even if you don't change your mobile operator your online account is paused and you need to call them and reidentify yourself to login again, you cannot obtain lots of credit from different banks becouse every bank can see your debts, you can pay insurance online, there some kind of special bank operations when you buy or sell car, and many more that I didn't bother checking. Did I mention APIs for individual users?