Actually, there's a better one for Europe. The Payment Services Directive 2 (PSD2) is an EU directive to allow payments to be done through APIs exposed by the bank. It's essentially a wrapper for a bank transfer. Most new payments companies are just unifying these APIs.
Some counties do it better than others. The UK is very good (with the exception of starling bank). I remember Hungary being a pain.
What about Intel Fab 34 in Ireland? According to Intel they're doing "Intel 4" (assuming its a TSMC 5nm equivalent node). Either way it should be better than 16nm.