ANZ Bank's security incident response tool open sourced

We have a lot less bureaucratic baggage to deal with and move much more quickly. Just look at the adoption of Chip/Pin EV security on debit cards. We've have had it a decade before the US and the lack of adoption there is the biggest reason credit card fraud is still a big thing in the infosec world.

Every business should have this: it doesn't really count as 'technology'.

its possible to send a friend 25 cents for a candy bar on a whim for free

This is more a function of the national interbank settlement system and market norms than the bank in question. In Europe, the numerous national interbank settlement systems and disparate norms were consolidated in to a new European norm: a regulation was passed that cross-border transactions could not be charged at more than national transactions, quickly resulting in (AFAIK) free transactions between any EU accounts/banks/countries.

pay immediately or 10pm that night depending on bank

... the 'or 10pm' part is a disgrace. The way I see it, the twin phrases "close of business" and "next business day" are pathetic excuses for so much anachronism, whenever you hear it you should train yourself to wince and wonder who is shirking modernity.

On the plus side, I remember only 15 years ago ANZ was the first international bank with ATMs in Vietnam ... for years if you wanted to use an ATM in Hanoi, you absolutely had to find ANZ. Laos and Cambodia were pretty similar, though the former had BCEL too, if only in the capital, then a few years later Luang Prabang. However, today, ANZ's lead in these markets has apparently been squandered.