[pilaf]

Many of the benefits you talk about apply to my Japanese bank account too.

Bank transfers are instant and I don't need to fill in any forms (other than the receiving bank account info) or justify anything, and I get cashbacks both in form of cash and points that I can use at the konbini, etc.

I also don't need to give out any papers showing where I live, instead they send a kind of sealed postcard to my stated address to verify it.

I don't know much about 3-D secure, is that like MFA? If so I guess I have that too, but you're probably taking about something else.

Bank transfers are not free though and I don't get one-time use credit card numbers, mainly because my bank doesn't include a credit card to begin with, but services like Revolut are available here too (just maybe not very popular).

I do agree financial services are generally behind the times here, just maybe not in all the ways some may think.

[kmeisthax]

3DS (Three Domains Secure) means that when you try to buy something online, the merchant sends you to your bank, who then authenticates you in some way. It's usually an SMS code, which means it's technically "MFA for credit cards".

Though keep in mind that 3DS was also rolled out with a liability shift; banks sold it to merchants as "if you 3DS validate a transaction it's never fraudulent and the customer can't chargeback". Which is obviously untrue if you're using SMS 2FA, which can be defeated. Good thing most American merchants forget to turn on 3D Secure...

[AlchemistCamp]

How much time does it take you to send or receive an international wire transfer?

Do you need to bring a passport or other documents to exchange currencies?

[pilaf]

Oh, I was talking about domestic transfers. I've never done an international wire transfer so I wouldn't know, sorry.