I always have to remind myself of the bank transfer situation in the US whenever I read an article complaining about it. Here in the UK, bank transfers are quick and simple (the money appears to move virtually instantly). Feel free to enlighten me to why they're so slow in the US.
This is the same in Switzerland. If you request an IBAN transfer, it's never instant. The solution there for fast payments is called TWINT, which works at almost POS terminal (you take a picture of the displayed QR code).
I think BACS is similarly "slow" due to the settlement process.