It's shocking that the USA is so far behind in this respect. Here in Australia we are probably 10 years from getting anything like square, but we've had simple

It's shocking that the USA is so far behind in this respect. Here in Australia we are probably 10 years from getting anything like square, but we've had simple bank to bank transfers between individuals for as long as I can remember. I'm always amused when I hear about people _still_ using cheques, I'm 29 and they were dead here before I left high school