I think it can vary greatly in Europe, though. I know my friend (in the 2010s) had a bit of a culture shock trying to deal with how old-fashioned banking was in

I think it can vary greatly in Europe, though. I know my friend (in the 2010s) had a bit of a culture shock trying to deal with how old-fashioned banking was in Italy, having previously only lived in the UK. And it goes both ways, there are things here that Americans would think are a bit backwards. Like if I'm ordering something online here in Czech Republic it's really common to allow payment via direct bank transfer - i.e. they'll give you a bank account number and a variabilní číslo ("variable number" - a way they can identify the payment on their end), you make the transfer using these values and they'll send out the order when they confirm they received the payment. Nowadays a QR code will often be generated for this and you'll just scan it in your banking app, but it could seem a little backwards if you're used to paying via debit/credit card.