We continued to develop it further by introducing a number of additional services – such as instant 1/2  BIS central bankers' speeches  payments at brick-and-mortar and online points of sale using m-banking apps, or paying bills by scanning the QR code, which is an option that I believe everyone is keen to use.
There is also the service of transferring money by entering the recipient’s mobile phone number only, entitled simply “Transfer”. As electronic services were already developed and available in Serbia, the pandemic only sped up the transformation of the financial system further, encouraging consumers to communicate with financial institutions almost entirely through digital means.