> Swipe? I don't recall a time when I needed to swipe in US in the last few years.

I do, earlier this year visiting the USA. The readers on pumps at two different gas stations.

But the EU started phasing out reading magnetic strips twenty years ago, well before the USA had even started issuing EMV chip cards.

> Zelle?

Zelle is only for person-to-person transfers, Europe has had good person-to-business, business-to-person and business-to-business transfers for decades.

> ...

The point wasn't that the USA didn't have these things, but that Europe had them earlier (sometimes much earlier), so the banking system led to this innovation.