I've never experienced that, and as others have said, it's not true of all banks; most bill it as near-instant. I think the biggest barrier to adoption for ret

I've never experienced that, and as others have said, it's not true of all banks; most bill it as near-instant. I think the biggest barrier to adoption for retail payments is a visibility issue - most people I've spoken to have no idea what Osko or PayID are.