> But I imagine most banks would point to regulation as a reason for the delays There is also good regulation e.g. the EU made it so banks process transactions

> But I imagine most banks would point to regulation as a reason for the delays There is also good regulation e.g. the EU made it so banks process transactions within "10 seconds", including and especially cross-border transfers for SEPA countries (Single Euro Payments Area). https://www.europarl.europa.eu/news/en/press-room/20240202IPR17318/ensuring-euro-money-transfers-arrive-within-ten-seconds https://www.europarl.europa.eu/news/en/press-room/20240202IP... So banks willingly being slow with transfers is perhaps a question for your local policymaker to remind them they can do better.