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With 12 billion cards on the planet it is difficult to escape plastic as it has become one of the ubiquitous means of payment in the modern world. 

Convenience, speed of processing and universal acceptance all make cards the first choice when it comes to buying stuff, paying for goods and services and now transferring money overseas as well. Card to card money transfers have been around for a few years and this initiative was pioneered by Visa and MasterCard which both have invested massive amounts of money into their cross-border money transfer infrastructure. 

As we travel more, for work and for leisure, sending money abroad is a very common aspect of our daily lives. Whether you are sending money home to your family or making a payment to a company for a product or service, there are many reasons for us to send money abroad. But for something that seems so simple, why has it always been such a challenge for us for such a long time?

Why is it such a pain to send money overseas? Whether its paperwork to fill out or multiples strings of numbers, for example, SWIFT, BIC, Sort Code, Account Number, Security Number, Mobile Banking Number, the list is endless. Why do things have to be so tricky?