I am a complete noob when it comes to this stuff, so forgive my ignorance, but doesn't the U.K already have all of these things? Is it a global leader in paymen

I am a complete noob when it comes to this stuff, so forgive my ignorance, but doesn't the U.K already have all of these things? Is it a global leader in payments/banking/fintech or is the US just so far behind the rest of the world?