Sigh. Why does the US always lag everywhere else when introducing new systems, and when they do finally do it, implement something that's different from the rest of the world. Seriously, it's the same way they do everything - slowly and half-assed.
I'm Australian but currently live in the US and banking here drives me up the wall. There's no universal bill payment system. There's no way I can instantly send money to another person's bank account (unless they're with the same bank) - I can set up a link between two accounts but that takes time, I can send a wire transfer but that has fees and is slow, or I could write a check/cheque, which is something no-one has had to do in Australia since ~1990! Argh. And yeah - no chip and PIN and virtually no penetration of contactless card readers (which I use for ~everything~ back home and love it). Oh and their paper money is, well, paper (linen actually, but its insecure and easily destroyed compared to our polymer bills).