Switching banks in Canada seems like a much easier proposition to get a better UI/UX for money transfer than any option in the US with Venmo.

You can't switch to alternative apps that use Venmo, and if your network of people uses Venmo, you can't use a different money transfer network.

>Switching banks in Canada seems like a much easier proposition to get a better UI/UX for money transfer than any option in the US with Venmo.

That's predicated on there being a better bank UI in the first place. Venmo's UI is far more consumer-friendly than any bank's Zelle payment UI that I know of.