Hello, a friendly correction if I may. In English 'grind' and 'halt' can function as both nouns and verbs - the common colloquialism is 'grind to a halt' where

Hello, a friendly correction if I may. In English 'grind' and 'halt' can function as both nouns and verbs - the common colloquialism is 'grind to a halt' where grind is the verb and halt is the end state. In response to your comment, I think that the Norwegian system is inferior in the respect of the end-consumer having the final responsibility. I think that if the bank had final responsibility for any credit fraud, the fast-tracked system would hiccup perhaps, but not grind to a halt. Fintech is evolving rapidly and a new innovation could satisfy both fast banking and keep incentives correctly aligned between banks <-> consumers.