I'm a swede, who lived in the US 2009-2011. Back then I was amazed (and my friends as well when I told them about it) about how behind the US were tech wise when it comes to banking. From what I understand, we're in the forefront in Sweden, and now with all the bank startups, it's just taking off for real.
In Sweden the number of offices almost halved between 2007 and 2019. It takes time for these kinds of shifts to really take off. As a tech guy, I believe tech guys are often to optimistic about how fast non-tech _humans_ adopt tech (not because of tech, but because the change in lifestyle, which takes a lot of time for people). It's all the standard curve of adoption (first hype, then dispair, and then it truly happens and diffuses into massmarket).
In Sweden the number of offices almost halved between 2007 and 2019. It takes time for these kinds of shifts to really take off. As a tech guy, I believe tech guys are often to optimistic about how fast non-tech _humans_ adopt tech (not because of tech, but because the change in lifestyle, which takes a lot of time for people). It's all the standard curve of adoption (first hype, then dispair, and then it truly happens and diffuses into massmarket).