Make sure you’re well hydrated (with water), eating healthy and regularly, getting regular exercise and have a good sleep schedule. If those are all solid, talk to your dentist about sleep apnea and if a sleep appliance might be right for you, as you may not be breathing well in your sleep.
Basically, the US banking system is made up of many smaller banks, unlike most other countries where there are fewer, larger banks.
This coupled with a large land mass with high population makes it more difficult to make the expensive infrastructure upgrades necessary for modern banking innovations like tap to pay and the loss of the need for physical signatures.
Many of these innovations are only making it to the US now because of larger foreign banks entering the US market, as well as the plummeting costs of technology.