Yes, I strongly agree on this. First, Bank transaction was very hassle, meaning very slow to be done and to be manage if you have that emergency to be paying after cut off. Second, too much of ID and verification just to verify your account, and to much of process to be done before withdrawing and depositing into an account. And lastly, no tax or rather percentage for profiting and you must wait at least month to wait unlike banks that profits only every year.