Ahhh. It's a lovely day, and you're seated out in your backyard enjoying the warm sun while going about your financial errands, all on your handy, dandy mobile phone. A few click-clicks here and there, and you smile at the credit you just scored for your next business project. You're not only smiling at the friendly interest rates tailored just for you by cutting-edge algorithms, no, but also at the fact that you didn't have to physically drag yourself to a financial institution and stand waiting in line for hours just to be asked for your neighbor's uncle's mother-in-law's birth certificate. You remember the cake you left baking in the oven and make a move to check on it. But then, as you stand, a thought strikes.
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