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... or they should earn more float income by delaying all payments for doing greater due diligence, and thereby stiff 99.994% diligent payors who don't get scammed due to the fault of 0.006% (252626/4.5B*100%) negligent payors who do get scammed.

Not sure why US banks are "struggling with digital transformation".

In the past decade, Top 6 US banks made profits - the key benefit of digital transformation - of a trillion dollars (Source) whereas fintechs, who were supposed to be the lighthouse of digital transformation, probably didn't even get a trillion pageviews of their websites and apps, let alone app installs or revenue or profits. 

LOL I can bet that ChatGPT won't quote Shakespeare if you don't prompt it to! But I do agree that it's easier to posture transparency, trust, and correctness with FinLLM and, above all, delivery misselling!!!