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POPSCell phones double as electronic wallets It costs a lot to run a mint, and print currency. Virtual banking, is like virtual retail, The net removes the need for a shop front, staff, and materials costs. The 'liquidity' of internet cash, means that real currency will be needed in reduced amounts, no doubt with aims of eliminating it's need entirely. The more online transactions there are the easier it will be to see where the mioney is with an instant status report.