I do not agree with this, because transactions using e-money or PayPal are faster, I feel, the adoption is even wider. If we want to compare this delivery system, we can see the ideal side of a transparent system and an uncomplicated administration. Usually, if we send a lot of money, there are administrative requirements that must be met if using a conventional system, privacy is not guarded, especially if the bank knows you have a lot of funds, usually there are offers that you don't want, IYKWIM.