Earlier quoted context omitted.
Why do you need to send a wire transfer? A giro transfer clears within a few minutes, and a credit card charge is accepted within seconds. What's the use-case that is not acceptably covered by those options?
I'd never heard of a giro transfer. In the states we use ACH and it takes 2-5 days to clear. The ACH numbers are also reusable - your numbers never change, and they can be used for withdrawal as well as deposit.
My point is that this a solved problem worldwide, ACH is slow and inefficient, and checking just piggybacks on ACH.
It's not normal for bank-to-bank transfers to take two weeks to clear in TYOOL 2017. This is a US problem.