On a slight tangent, the type of transactions you can make through your banking app in a developing country like Turkey is insane compared to US. Without exagg

On a slight tangent, the type of transactions you can make through your banking app in a developing country like Turkey is insane compared to US. Without exaggeration, you can make instant money transfers across banks; buy stocks, gold, insurance, bonds, foreign currency; pay taxes and other government fees; make international SWIFT transfers; open retirement accounts; buy private healthcare; instantly open as many checking, savings, CD accounts as you want; and many more. And in the US, they try to sell Zelle as the biggest innovation in banking. It's just pathetic.