What might those be? The check cashing and bill pay mentioned are already offered for free by banks. Diversion of junk mail marketing $ into "effective methods"

What might those be? The check cashing and bill pay mentioned are already offered for free by banks. Diversion of junk mail marketing $ into "effective methods" of marketing is pretty cryptic. I think creating some online equivalent of postal mail would be interesting (there are things like notarized letters, etc that still seem to require snail mail), but I don't see how this service as currently implemented really does anything novel. Scanning your postal mail is tedious and cost ineffective...whether it's done by a startup or not.