If you're jealous of the US, better don't look to India or even the EU. Free or very cheap, instant P2P and B2C payments have reached mass adoption in many parts of the world at this point.

Venmo and iMessage are actually more annoying than you might think. Both silo your funds and you'll have to pay significant fees for instant withdrawals to your bank account, while regular withdrawals take at least a day.

Zelle is a bit better since it draws/deposits directly from/to your checking account, but most banks' UX is moderately to extremely janky.