I transferred a sizeable amount to my wife's account (different bank) on a Tuesday evening at around 8.30pm.
The money was only available to her on the Thursday morning even though it left my account immediately.
Now multiply my transaction by all the customers doing the same thing on a daily basis throughout the country.
The money is not available to either of us so who then earns the one days interest on that money.
It probably amounts to millions
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