It is only when something truly innovative and daring comes along that you realise how behind or how exploited you were by the previous providers.  I am talking about the global monetary system of making simple payments to anyone, anywhere, anytime or receiving in the same fashion; from anyone, anywhere, anytime, with very low fees, in real time (or close to it), in the currency of your choice.  

Example, my wife called me the other day and needed some money straight away.  I sent an SMS to her account from my phone while walking to a meeting and she had it instantly.   Oh, and she happened to be on the other side of the world.  The other comfort I had is knowing A. that I was charged only a nominal fee - $ 1.50, B. I was given a very competitive exchange rate and C. I had the comfort knowing that a portion of my fee went to my designated charity.

Pretty Cool.  Send me an email if you are a merchant who want to provide this value to your customers/members/donors and want to earn money at the same time you provide them value and make them very happy.