Europe seems to be doing something on this front. SEPA Instant is... instant just like credit cards. All we need is an interface that's as easy to use as credit

Europe seems to be doing something on this front. SEPA Instant is... instant just like credit cards. All we need is an interface that's as easy to use as credit-cards (type number, money go) and the visa/mastercard monopoly is going to either get real cheap or real non-existent.