They expect to be able to download music or a book while they are sitting on the bus. Our payments system supports these transactions by allowing the payment to be initiated, and goods or services exchanged, even though the funds will not be available to the merchant until some time later.
This delivers the immediacy to the transaction itself, as people have come to expect. On the other hand, if a business or an individual wishes to receive funds into an account at a financial institution, that same immediacy is not available.