> Without any profit, what's going to support the creation of such service and pay for the talent that is going to make it cheap and reliable? Lending. Money s

> Without any profit, what's going to support the creation of such service and pay for the talent that is going to make it cheap and reliable? Lending. Money sitting idle in accounts (moved into an account and not yet sent, or received, but not yet moved out) can be lent out to earn interest. That's how my bank can offer free transactions to all customers, both private and business.