Why is technology uptake so slow in "The West"?
I guess Australia counts as "the west".
I live in Turkey. My ATM lets me withdraw and deposit 3 currencies (Turkish Lira, Euro, Dollar). True, I can only withdraw *coins* in local currency. Deposits have been "without an envelope" for so long I can't remember when it started. And the money is credited to my account immediately, not next day. So I can put in a hard-to-change 200TL note and get change. I can use the machine without a card, for many operations, verifying by mobile phone. I can pay a bill (even my friend's electricity bill) in cash and get change to the last cent. I can send money to someone without a bank account (they need a mobile phone - but everyone here has one)
An interbank money transfer takes around 30 seconds, and shows up in the recipients bank account (depending on bank) maybe ten minutes, maybe a couple of hours later. All ATMs accept all banks' cards (requirement imposed by the Central Bank - there is a fee). In the UK they are just starting "fast" bank transfers that take only a day. Still many transfer take *three days*.
Turkey's Central Bank, by the way, is a near to 100% Free Software operation. Even the desktops are Linux.
ATMs are not only located in bank branches. Local councils set up ATM parks in convenient street spaces and rent out slots in them to banks. This keeps the queues down.
The ATM machines (and the Central Bank's interbank system) are made by the usual manufacturers. So machines that can do all this are available worldwide. The interesting question is why are these facilities not used in what you might expect to be more "advanced" economies?