* Internet banking has been around for years. ATMs are open 24/7 in convenience stores.

Except on public holidays when said ATMs magically cannot process credit card transactions. Japanese banks are most certainly a joke. I know of one large Japanese bank that completed all transactions on paper (they would process it electronically then print it out and hand verify the details) until a few years ago. Think of a vast network of vacuum tubes launching paper around a building storing billions of records. That was their head office.