I read this a few days ago and learnt a lot. It might shed some light on why some countries&#x27; banking systems are slower than others <a href="https:&#x2F;&#x2F;getmondo.co.uk&#x2F;blog&#x2F;2016&#x2F;01&#x2F;20&#x2F;how-do-bank-payments-work&#x2F;" rel="nofollow">https:&#x2F;&#x2F;getmondo.co.uk&#x2F;blog&#x2F;2016&#x2F;01&#x2F;20&#x2F;how-do-bank-payments-...</a>