this post was submitted on 13 Dec 2023
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Banks are proprietary software
Okay? But you presumably do still have an account with a bank or building society, right? So why use a third party when you can request a transfer from them directly?
Ironically enough it's the opposite. Banks answer to shareholders, building societies answer to its members. Building societies compete with banks, if they're unheard of in the US that certainly does explain the state of the US banking system.
We don't have building societies in the US, but we do have similar institutions called credit unions.