For bank to bank, In Australia for example, we have PayID (edit: since 2013) which works in all of the major banks (it’s owned equally by them) which allows for basically instant transfers to another person with just their email or phone number, this is all within the banking app.
Do Americans still use 3rd party apps like Cash app and venmo? Also how common is payWave/tap to pay?
Edit to add, Australia also has BSB and Account number for bank account transfers, this is also near instant, and free
Thank you everyone!