One of the most surprising things about moving to Eastern Europe (being born and raised in Canada and worked in the US) was how much better the payment systems are, from a consumer's perspective. Instant P2P bank-to-bank transfers, confirmed with a 2FA notification on my smartphone, are the default way to pay for everything from my monthly rent to clothing stores (which don't have a credit card terminal) to random ecommerce websites. ACH/Wires and Canada's Interac e-Transfer system seem archaic in comparison, and rampant with fraud (I still get fake texts about e-Transfers to my Canadian voip number weekly, and I still find the US system of wiring money ridiculously slow).