[kmlx]

there's like a thousand services like this in Europe.

The US is lagging the UK (for example) by at least 2-3 years when it comes to banking.

To understand how far behind the US is, take this example: the London Tube (subway) started accepting contactless payments at all of their stations years ago. All they did was turn it on; all the functionalities were already built into the normal card readers years before that. Here's another example: all banks in the EU are required to offer APIs for consumption.