Bank customers can now download money from their account to an electronic wallet, a smart card, using a specialy designed phone equipped with a smart card reader. To download cash you have to enter PIN. You can then use your electronic wallet to pay or goods and services, to purchase goods across the internet, and to transfer money to other card holders.
Using the internet, customers can now check their account balance and see their latest statement. One bank has developed a milti-currency payment engine which allows on-line retailers to sell their goods in sixteen countries, with customers paying in their local currency. With these developments, coins and notes are liely to disappear.
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