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3. BETTER SECURITY





         WITH NON-CASH PAYMENTS, YOU





          NO LONGER NEED TO CARRY LARGE






         AMOUNTS OF CASH. BECAUSE, ALL THE MONEY





         HAS BEEN STORED SAFELY IN THE DIGITAL WALLET






         THAT YOU USE. THE SECURITY SYSTEM HAS ALSO





         BEEN TESTED AND IS EQUIPPED WITH A PIN AND OTP






         (ONE-TIME PASSWORD) NUMBER THAT ONLY YOU





         CAN KNOW. IF YOUR DEBIT, CREDIT OR E-MONEY





         CARD IS LOST, YOU CAN IMMEDIATELY BLOCK THE






         CARD SO THAT THE BALANCE IN YOUR ACCOUNT





         REMAINS SAFE.













         4. NEATLY ORGANIZED FINANCIAL RECORDS





         FOR EXAMPLE, IN THE M-BANKING TYPE, YOU CAN






         SEE ALL EXPENSES AND INCOME WHICH WILL BE





         RECORDED IN THE ACCOUNT MUTATION HISTORY.
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