WebEx is night and day better than everything else imo. The only advantage teams has is NDI, but otherwise it’s a complete joke in every other comparison.

Basically, the US banking system is made up of many smaller banks, unlike most other countries where there are fewer, larger banks.

This coupled with a large land mass with high population makes it more difficult to make the expensive infrastructure upgrades necessary for modern banking innovations like tap to pay and the loss of the need for physical signatures.

Many of these innovations are only making it to the US now because of larger foreign banks entering the US market, as well as the plummeting costs of technology.