But one area primed to take off is the growth of eMoney or cybercash. Again, no paper, no visiting the bank. Then you can send anyone with e-mail money by either transfer from your bank account or credit card. They receive an e-mail referring them to the PayPal site where they can either transfer funds to their bank account, request a check or send the funds to someone else. But one of the biggest obstacles to expansion in any Net finance area is security.
People just have a high level of fear.