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.
Now try getting mobile signal on most of the underground, something every other metro in the world has had for 20+ years
Not in the US. It’s kinda why paypal, venmo, zelle exist. Filling a gap. Our banking system is quite backwards.