I think the major difference here could be the use of the term 'universal'. If that protocol is only unique to a small region, then it doesn't help many others. I would also argue that it is something that won't really pick up in larger markets because they are very fee driven. I don't like it but the people who run those banks do.

I would use one if offered (American) but I doubt it would ever become available and I would have to get a bank account.

Nice to know that it exists though...:)