Mobile banking was created in 1999 A.D. European banks began offering mobile banking with primitive smartphones. As the ‘Euro’ began to circulate in 2002, this made mobile banking easier throughout Europe. Using mobile banking made it easier for people to steal money from you and the information. Benefits of it though was that it saved people time so they didn't have to go and get money out of the bank.
In 2008 in the UK Pay wave began. If you had this card you could just place it over top of the screen and it would pay for it. If you had one of these cards there were some disadvantages because if you lose your card or if it got stolen someone could use it and not need a pin. There are benefits to having one of these cards like if you were in a rush you could just wave it over top of the screen.
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