Fast transfers between and in the bank

What if we … had fast transfers?
Banks have always had long, tedious transfer times between banks and even within themselves. This needs to be quicker and available 24/7, over Christmas banks shouldn’t be closed for 7 days and not taking any transfers, that’s ridiculous. We NEED to be able to transfer money during these times, whether it’s because our pay came in then and we couldn’t transfer in time before they closed or if we just need money into our accounts. Banks are essential, money is essential. It needs to be available all the time