> and a tiny proportion of the most technologically sophisticated banks provide the ability to transfer money to any arbitrary person.

In the country where I live all internet banks supports this. And all of course use 2FA. Most if not all banks here let's me do any kind or transactions. Not just viewing my data but transferring money, buying stock, setting up new bank accounts, pension management and everything else.

Maybe it's the lack of security at your place which prevents useful functionality.