Until a few years back, in any financial transaction, either the remitter or the receiver or both, had to literally make his/her/their presence at the bank.  This involved time, energy and money. But today, without spending much of any of these three, secure financial transcations are possible.

(I was able to send my monthly house rent and monthly maintenance to my apartment owner and apartment maintenance office respectively, simply by using my mobile phone. I could also renew my health insurance. All these in about 15 minutes. Of course I am sure that most people derive such benefit).

Thanks to compure engineering and mobile technology.