[kalleboo]

I've sent wire transfers between about, 5 or so different banks? Including like "from Akita bank to Kagoshima bank" not exactly big banks. And it's always done within like 15 seconds, since the Zengin upgrade a bunch of years back.

That said automaticly registered wire transfers aren't really used much lately in my experience. Mostly for stuff like salary, rent and big purchases like a car. Anything else that's automatic people just use cards for now. Precisely due to that lack of messaging/attribution.

For small daily person-to-person transfers, everyone I know uses PayPay since you just exchange phone numbers instead of more personal details. This is similar to back in Sweden where everyone uses Swish instead of regular wire transfers.