The US financial infrastructure is remarkable in how far behind the rest of the world it is though, which is one of the reasons I think Bitcoin took off in the first place. Fast and free transfers of money never seemed quite so magical when every bank in your country already offered that service.
Pix money transfer/payment system. Fully digital, easy to use, fast, cheap, available 24/7, launched by Brazil Central Bank and with massive adoption in the first year.