One way to transfer funds that I don't think I've seen mentioned before. PayPal now has a stable coin PYUSD. It is very easy to transfer to/from PayPal and a bank account for most people and now you can buy the PYUSD in PayPal. Then there are a lot of options to swap the PYUSD for HIVE. Like SimpleSwap, SwapSpace, StealthEX, Changelly.

I haven't tried it yet. And don't know if it is really the most efficient, but it does seem pretty easy compared to most things I've seen before. Especially for people that already have a PayPal account.