[worik]

Yes.

And the pace of innovation in US banking was very slow, essentially stalled, for a generation from the consumer's POV

Here in Aotearoa we have ATMs on every street corner since the 1980s. All but the tiniest traders have had pos electronic transactions for nearly thirty years

Other countries are even more advanced (our banks are all like yous now, consumers now viewed as pests)

I want innovation in customer services, but what we get is innovations in financial engineering.

May they all rot...