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So, this seems like an alternative to things like Apple Pay and Google Wallet. What's the benefit of the banks? Bigger cut of the transaction fees somehow?

I must admit, I use Apple Pay whereever possible, I'll even temporarilly switch my browser to Safari if I see a merchant accepts Apple Pay, just because its so much easier than any other payment method.

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I do it because Apple is one of the most opaque payment vendors. I don't want a direct relationship with so many companies having my payment information.

I still use cash. Its not hard or inconvenient.

Oh, I've been looking for awhile, but every one is out of stock of that new device that allows you to insert your cash bills into a website. Where did you find one that had it in stock?

Ya monthly bills are done online. But most of my day to day expenses, eating out, shopping is mostly cash. It helps there are multiple ATMs around I guess.

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