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If you only visit England on vacations you won't notice, but if you decide to move there like I did, you will start to realize how scared England as a nation is of new technology.
Like, several of the people working at the bank where I got an account didn't know how to send an email and had never done it in their life. I repeat, people working at a BANK.
So it was no surprise to me that it took months and months to get English people to use instant pay while in Denmark it happened practically over night.
(It feels a lot like tooting Denmark's horn here, so I would have liked to add more countries, but I have no idea how quick they were to use instant pay and it's impossible to find info on online).