Modern world is unimaginable without traditional banking. Absolute majority of the world’s population is dependent on banks and interact with banking services on a daily basis. In recent years extensive bureaucracy has become a common synonym of traditional banking. Greedy financial organizations are only focused on generating abnormal profits off financially illiterate clients and completely ignore the basic needs of regular people. Lengthy and complicated account opening process, tons of paperwork, large fees and constantly increasing barriers to entry in terms of account balance maintenance and average turnover – all of these factors are taking away what is most important in financial life – time and money.

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