I think the fact that most of the world has decent payment systems (eg UK FPS) now due to government mandates, where the US notably does not, is a decent counterpoint.
worth noting that the Federal Reserve has gradually started up programs that now basically handle all the different types of inter bank transfers in the US.
Those programs have now out competed every corporate service in the space and are either the main clearing house/provider or the second main provider in each type of US bank transfer.
They now have FedNow which is a "next gen" for these types of transfer systems and over the course of the next few years to the next decade it'll probably eat all the other systems as well as the many corporate offerings as well.
