For some reason, in 2018, our customers still can't quite figure out why transferring money electronically is not only not instantaneous, but can take some ambiguous amount of time for reasons only known to us. They are resorting to using "apps" on their "phones" to bypass the excellent services that we provide for them at low low prices with our always trustworthy brands.
How about we...innovate in this space? We will calls it Zelle. The kids will love that! Zelle.