Japan has some of the creakiest banking systems dating from the 70's (they used to shut down ATMs for a week over new year not too many years ago, and most peop

Japan has some of the creakiest banking systems dating from the 70's (they used to shut down ATMs for a week over new year not too many years ago, and most people still maintain a paper bank book that gets printed inside the ATM using a dot matrix printer) but they still managed to move over 1000 financial institutions to 24/7 instant payments like 4 years ago once they started getting competition from fintech services.