It turns out many others prefer banking locally with smaller banks or credit unions. The market is meeting the demand. I’m not even sure why you’re intent on b

It turns out many others prefer banking locally with smaller banks or credit unions. The market is meeting the demand. I’m not even sure why you’re intent on blaming small banks for the slow rollout. The article notes that the large banks introduced a competing system in 2017 and it took years to deploy. That’s with all of the advantages of large bank efficiencies and none of the pesky government bureaucracy. We always hear stories about the legacy COBOL systems these big banks have and how it hinders innovation. It seems to me this more a case of no incentive. If this were such a highly sought after feature, customers would flock to the banks providing it, but they’re not. It’s worth considering why so many choose smaller banks. They can certainly choose large banks but aren’t, despite whatever efficiencies large banks can supply.