> Wire transfers are largely an oddity of the USA. Most of the rest of the world doesn't use wire transfers anyway
Excuse me? Wire transfer in Australia are called EFT. Basically, if you want to give money to _anybody_ in Australia, all you need is their BSB (6 digits, it's the bank's ID) and account number, and there you are, money gets there 24 hours later (48 hours later if you make the transfer after 5:00PM in Sydney, which is the cut-off time).
It's WIDELY used by businesses, and even people. I "borrowed" $50 from a friend yesterday, and simply transferred $50 via Internet Banking using my phone.
I was amazed to discover that the US was largely based on *cheques*.