> But I imagine most banks would point to regulation as a reason for the delays
There is also good regulation e.g. the EU made it so banks process transactions within "10 seconds", including and especially cross-border transfers for SEPA countries (Single Euro Payments Area). https://www.europarl.europa.eu/news/en/press-room/20240202IP...
So banks willingly being slow with transfers is perhaps a question for your local policymaker to remind them they can do better.
There is also good regulation e.g. the EU made it so banks process transactions within "10 seconds", including and especially cross-border transfers for SEPA countries (Single Euro Payments Area). https://www.europarl.europa.eu/news/en/press-room/20240202IP...
So banks willingly being slow with transfers is perhaps a question for your local policymaker to remind them they can do better.