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I'm waiting for the day that I can transfer my FirstChoice (credit card) funds to Paxum... so I can ACH the funds to my Bank.
When I am outside of the US, I have to go to a ATM, withdraw cash, then go to my Bank (in that country) and deposit into my Bank account. Sometimes the same Bank in the same building, sometimes different.
I loose around 5% in cx fees.
Plus the hassle of often standing on a sidewalk outside, plus needing to walk or take the bus to the Bank.
Everything else about the industry we practice in is electronic, I hate that twice-a-month exercise in handling cash.
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