A bit OT but wanted to mention how impressed I was with ANZ and it's technology when I was in New Zealand. Not that they are completely responsible but NZ banking makes the US look like its still the 1970's.<p>ANZ has a lovely, clear website and apps where its possible to send a friend 25 cents for a candy bar on a whim for free. Every large entity is in a dropdrown and you can add a friends number and pay immediately or 10pm that night depending on bank.