I worked on a banking project in Puerto Rico for two years. The biggest surprise to me was that the "banking experience" for Puerto Ricans is a social experience. People would stand in line for a half hour waiting to cash a check (few drive-thru'son the island) while those in front of them chatted with tellers, showed pictures of their family, and got caught up on news. This all happened without complaints about the amount of time for these simple transactions.