As a Brazilian living in Brazil I'm surprised that anyone would expect a service provided by the Brazilian government to be efficient, or even work at all.
This Pix thing seems to cover more than inter-bank transfers, people are expected to use it for QR code-based mobile payments for instance.
The HIV treatment program, provided by the brazilian government for free to everyone that needs it, has been very succesful and is a model to be followed. Not everything the government does is rotten, just a lot of it.
"Throughout the 1990s, when the annual cost of drugs for AIDS treatment often exceeded US$10,000 per patient, the World Bank and other development agencies discouraged developing countries from implementing treatment programs, favoring “cost-effective” prevention over costly treatment. Brazil challenged this conventional wisdom and, despite World Bank objections, has provided free universal access to highly active antiretroviral therapy (HAART) for all people living with HIV/AIDS since 1996."
source: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2782963/
This Pix thing seems to cover more than inter-bank transfers, people are expected to use it for QR code-based mobile payments for instance.