> Regulatory hurdles from incumbents aside, it's generally the case that a less developed, up-and-coming economy will have new stuff quicker SEPA is Eurozone w

> Regulatory hurdles from incumbents aside, it's generally the case that a less developed, up-and-coming economy will have new stuff quicker SEPA is Eurozone wide and has existed for 15+ years. Instant payments were only introduced in 2017 but it didn’t take much time for banks in Germany, Italy, Spain etc. to support them.