I sure as hell don't, and I work in the space: we'll get too distracted writing AbstractBlockchainFactoryFactories to do right by the problem.
If anything, the banks and financial industry in general are reasonably rigid and not very interested in chasing "the next best thing" just for the sake of it.
A very obvious outcome of this approach is the ridiculous amount of time it takes to clear an ACH transaction domestically for example.
I guess my point is when it comes to implementing changes the banks are no less trustworthy then most of the other players in the financial industry.
My impression is that this has more to do with banks' desire to book transactions at just the right time (e.g. to maximize fees charged or minimize leverage ratio) than with technical limitations.
Mexican SPEI system for example is almost real time (they too have a cut off time I think it's 5 PM EST).
No abstract beans or buns or factories involved. Lots of lambdas though.
That's the great thing about the free market.
scary but true