[yakak]

I think people who tell you it is 19th century live in countries that use IBAN/SWIFT to push money instead of checks to tell people an account is available to drain.

[porbelm]

These countries also usually have bank-supplied or sponsored mobile payment apps (like Vipps in Norway) where the usual fraud protection applies.

That the US is 30 years behind the times in banking is not a shock but still stupid.