[lxgr]

> Well … so it's more like my bank and I can agree on any security measures the bank likes.

Yes, I'm unfortunately very aware of the incredible market failure in the US in that regard.

There's a much bigger variety of means of initiating bank transfers in Europe, probably simply because push bank transfers are a thing in the first place (the security of which banks are often liable for).

Looking at the dumpster fire that is Zelle, US banks apparently just don't seem to want to cannibalize their profitable debit/credit card business with a cheap, fast, and secure payment method.