@patio11 Curious if there’s a (good and/or explainable) reason US banks don’t seem to offer e-transfers? I just saw a freelancer complaining about waiting for a wire transfer to go thru and it sounded like the dark ages.
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All of these are available electronically, and Zelle is only available electronically, but they have different limits, speeds, funds availability, and requirements regarding who you’re sending to. This makes the subjective P2P transfer experience worse than in many peer nations.
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It’s difficult for me to guess exactly why your freelancer was complaining, because there are a lot of different ways to have friction there rather than one overarching and remedial cause. Partly this is because payments in the US have extreme levels of path dependence.
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