if money transfers were made easy

What if I could send money to my Skype friends while say, chatting with them ? Would be so much cooler than what I use now. Right now I use a mix of icici, nordea and morgan stanley. Three players are involved in a simple one-way transaction and i have no idea what exchange rate would be charged for example, or how which public holidays could come in the way while money is moving from finland to germany to india.

I can’t wait.
Nothing original about my idea by the way 🙂

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