> All you'll end up doing is encouraging further fraud with such a proposal How do you plan to defraud the banking system when you need to pay $5 to send in yo

> All you'll end up doing is encouraging further fraud with such a proposal How do you plan to defraud the banking system when you need to pay $5 to send in your application? The issue is that it takes almost zero effort to apply for a job so there needs to be proof of work on the applicants side. The easiest proof of work in through our banking system because there is massive amounts of effort to prevent fraud and ensure interoperability. Alternatively that proof of work could be that you need to physically drop off your resume like in the pre-internet days. The same need to go for the company side, they need to have skin in the game too when interviewing a candidate. This is why I am against automated tests which are used at places like Amazon.