I'd never heard of a giro transfer. In the states we use ACH and it takes 2-5 days to clear. The ACH numbers are also reusable - your numbers never change, and they can be used for withdrawal as well as deposit.

My point is that this a solved problem worldwide, ACH is slow and inefficient, and checking just piggybacks on ACH.

It's not normal for bank-to-bank transfers to take two weeks to clear in TYOOL 2017. This is a US problem.