Jokes aside, I'm still amazed every time my monthly consulting fee arrives from Taiwan into my Swedish corporate banking account more or less instantly.
This must surely be the same for e.g. Taiwan to US? Is it just US to US that is so slow?
The USA has tons of banks and credit unions. Many small towns will have a bank that only has one or two branches, yet has their own full IT infrastructure.
These small banks barely have websites, let alone comprehensive online banking. The most technically advanced thing these types of banks do is integrate with the Co-op ATM network for withdrawls and deposits.
US payment infrastructure is ossified badly, and desparately needs reform.