Banks are extremely nonfunctional in Baltic countries probably because of how little people live there. I think there is a large potential for good international banks.
Citation needed? My Estonian bank has offered instant payments in the EU for free for more than one year, an app that buzzes my phone at every payment I make with my contactless card, or use the phone directly as bank card... Without using Apple Pay. Something I rekon is still not common in many countries including the UK...
