Time is fleeting. It seems like yesterday to make a transaction or receive the money we had to go to the banks, stand in queues, experience technical issues which caused a delay in the whole process. And we can not omit the human factor -the incorrectly filled bank form. Missing data. Problems with requests processing due to the large volumes of data. Or incorrect structuring of huge data arrays. All these things cause the impossibility of conducting immediate operations and irritate people deeply.