> I understand why Germany, a poorer country which was late to electronic payments, wouldn't do this; I don't understand the hostility to it. But then, I'm Amer

> I understand why Germany, a poorer country which was late to electronic payments, wouldn't do this; I don't understand the hostility to it. But then, I'm American, we've been doing this longer than you've been alive. You mean payments between banks that take two to three days within the country instead of a regulated maximum of 15 seconds across borders? It's a shame you're so salty that the rest of the world has far overtaken the US. You may have been doing it "longer", but you've absolutely failed to iterate and are still stuck with obsolete technology that's rife with fraud, for which a more appropriate feeling than saltiness is shame.