I live hundreds of miles away from my bank's brick and mortar, and when I call, I think I'm still a bit of a novelty to them. "This customer doesn't actually walk into the building ever? Fun, I want to talk to the mystery person on the phone!"
This sounds about right as the US would have hit market maturity much earlier in the tech cycle. Same with mobile networks, which are also backwards compared to those in Europe which came later and leapfrogged due to advances in tech and incremental improvements. And now we start to see the same effect in Asia, which is beginning to make Europe look like a backwater.
