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Wait, can't you do that already?!

I'm in my 30s but we've had pretty much instant payments as long as I've had a bank account (20+ years) in the UK.

Not in the US. It’s kinda why paypal, venmo, zelle exist. Filling a gap. Our banking system is quite backwards.

Now try getting mobile signal on most of the underground, something every other metro in the world has had for 20+ years

I don't live in London and rarely go there, but everyone has to use banking...!