True, but that's a lot more recent than US use of credit cards. Like, up till about 10 years ago most Irish consumers had non visa/mc debit cards and credit cards were rarer (mostly those Maestro debits).
I mean, the US should definitely improve their bank2bank stuff and implement FedNow (I think that's what it's called) but there's less pressure to do so as basically everyone has and accepts credit cards (not true in lots of Western Europe).
I mean, the US should definitely improve their bank2bank stuff and implement FedNow (I think that's what it's called) but there's less pressure to do so as basically everyone has and accepts credit cards (not true in lots of Western Europe).