Most of the things in the article were possible in the 2000s via credit unions, just not banks in the USA. I honestly don't think it's innovation in any meaning

Most of the things in the article were possible in the 2000s via credit unions, just not banks in the USA. I honestly don't think it's innovation in any meaningful sense. That's to say nothing about the rest of the world. Alliant for example has had same-day ACH for a while. Many credit unions also removed the ability to overdraft by default (technically this was always possible with a bank if you called).