中文：

跨行转账是指在不同银行之间进行转账操作。通常情况下，跨行转账需要经过银行间清算系统和转账系统进行处理，因此到账时间会受到多种因素的影响。那么，如果跨行转账十几天未收到，可能是什么原因导致的呢？

首先，银行间清算系统拥堵或故障可能是导致跨行转账延迟的主要原因之一。在繁忙的节假日或系统升级期间，银行间清算系统可能会出现拥堵或故障，导致转账操作无法及时处理。

其次，转账系统故障或延迟也可能会导致转账操作无法及时到账。例如，银行可能会对转账操作进行人工审核，如果审核时间过长或者系统出现故障，就会导致转账操作延迟。

此外，收款人的账户信息错误或账户状态异常也可能会导致转账操作无法正常到账。例如，收款人的账户可能已经被冻结或注销，或者收款人的账户可能不是有效账户。

最后，如果跨行转账是通过第三方支付平台进行的，那么第三方支付平台的处理速度也可能会影响转账操作的到账时间。例如，第三方支付平台可能需要人工审核或者处理时间过长，就会导致转账操作延迟。

综上所述，如果跨行转账十几天未收到，可能是由于银行间清算系统拥堵或故障、转账系统故障或延迟、收款人账户信息错误或账户状态异常以及第三方支付平台的处理速度等原因导致的。在此情况下，建议客户及时联系银行或第三方支付平台，以了解转账操作的具体情况和解决方案。

英文：

Inter-bank transfer refers to transfer operations between different banks. Typically, inter-bank transfers need to go through the bank clearing system and transfer system for processing, so the arrival time can be affected by various factors. So, if you haven't received your inter-bank transfer for ten days, what could be the reasons?

Firstly, the bank clearing system congestion or failure may be one of the main reasons that cause the inter-bank transfer delay. During busy holidays or system upgrades, the bank clearing system may experience congestion or failures, resulting in delayed transfer processing.

Secondly, transfer system failures or delays may also cause the transfer operation to not arrive promptly. For example, banks may manually review transfer operations, and if the review time is too long or the system is experiencing a failure, it will result in a delayed transfer.

In addition, incorrect recipient account information or account status issues may also prevent the transfer from reaching its destination on time. For example, the recipient's account may have been frozen or cancelled, or the recipient's account may not be a valid account.

Finally, if the inter-bank transfer is through a third-party payment platform, the processing speed of the third-party payment platform may also affect the arrival time of the transfer. For example, third-party payment platforms may require manual review or take too long to process, resulting in delayed transfers.

In summary, if you haven't received your inter-bank transfer for ten days, it could be due to reasons such as bank clearing system congestion or failure, transfer system failures or delays, incorrect recipient account information or account status issues, as well as third-party payment platform processing speeds. In this case, customers are advised to contact their bank or third-party payment platform promptly to understand the specific situation of the transfer operation and seek solutions.