Earlier quoted context omitted.
I still use checks because in the US there are certain things you can't use a credit card for, e.g. loan payments. I pay contractors with checks because almost none accept credit cards and cash gets cumbersome once you start getting into 4 and 5 digits. My local utilities all charge a "convenience fee" of a few dollars when paying online or with a credit card. Sending a check in the mail costs me only $0.50. (Even th…
Can't you use a wire-transfer or an ACH transfer? All those use cases are easily solved with electronic transactions in most of Europe, Asia and even in Latin American countries like brazil. They are usually inexpensive or free and instantaneous.
The US does have some electronic networks for instant, no-cost p2p payments. https://www.zellepay.com/ has a large number of participating major banks with some major exceptions. A lot of people use https://venmo.com/ or https://cash.app/ which are not directly integrated with banks but then offer electronic transfer of funds to bank accounts.