In general, I've found that the US banking/payments industry (at least where consumers are concerned) is about a decade behind anywhere else.

I recall ATMs being ubiquitous at banks in Canada (even in small towns), while over in the US, having an ATM at a bank merited a billboard (at least, that's what I saw it Detroit & suburbs). And over 3-5 years, those billboards gradually changed from "we have an ATM" to "we have an ATM open 24hrs." It took a few more years after that for the billboards to disappear altogether.

I think it stems from having a largely unregulated mess of competing companies, who've all created their own standards, with little regard to interoperability.