Toronto Public Library versus the banks

Why is it that when I check out a book from the Toronto Public Library, by the time that I walk home and check online that activity is already recorded, whereas if I make a withdrawal from my bank’s ATM, it doesn’t show up on my account online until the next day (if I’m lucky)? I’m pretty sure that CIBC has a bigger budget for customer-facing internet applications than TPL, so why don’t they show it?

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