الهواتف المحمولة، نقل البيانات بسرعة عالية والتّجارة الالكترونية تَخلق توقّعات بأن القُدرة على إجراء عمليات الدّفع والخدمات المصرفية بسهولة وأمان وفي الزمن الفعلي يجب أن تكون مُتاحة في أيّ وقت وأينما دعت الحاجة إليها.

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