this post was submitted on 08 Aug 2024
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In the EU we have SEPA instant transfers
For a global solution you'd want Wise or Revolut or something. Or PayPal, but the others have features PayPal doesn't. But there are instances where PayPal wins.
But all the different banking systems are still a mess sadly.
Given that banks' whole thing is transferring money you'd think they'd have got that sorted from the start but no.
My hypothesis on this is they just don’t want to facilitate moving money out of their bank to another one. Moving money between accounts held by the same bank is usually much easier. The major US banks are for-profit businesses, after all.
Alternative hypothesis - US banks aren’t implementing new features because they’re mostly all still running on ancient IBM mainframes.
I've heard from people in banking and in health care that regulations around transferring money and health information have not at all caught up to modern technology in the US. They're tedious and cumbersome, which means thing more more slowly and more haphazardly.
My guess is no one is willing to take on the liability. Any new system that introduces bugs or introduces attack vectors from hackers don't want to be responsible for any lost money and I'm sure banks/insurance don't want to take on the risk either.
Magnetic tape and clearing houses for the indefinite future!