You speak like the free-for-all tax tools didn't work for you. Do you rather the US model? where you have to pay $100~300 every year for exactly the same tools from a single private company that has a de facto monopoly because of close ties to the government?

Also, in the US, a transfer from your checking account (where you get your paycheck) to your credit card account (where credit card purchases show up) to pay up your monthly credit card bill, in the same bank, same client, you literally see both on the same screen on your internet bank, takes two to FIVE business day. Let that sink in when talking about US banking being archaic.