e : hey m j do you can help me?
j : yes what happen
e : milk i want to borrow your smartphone for use application
j : what app?
e : application TMB bank, it use for bank transfer
e : you have there?
m : yes i have but i never to use it ,you can teach me?
e : yes sure
j : where is your phone and why you don't go to ATM
e : my phone no battery , application easy to use and quickly
j : really
e : yes application have lock by password or with iphone you can use touch ID for unlock.and
You can Transfer money, bill payment charge and topup at your home no need to go to ATM or bank
j : wow it do very easy. i want to use it
e : sure but Do you have TMB account ?
j : oh noooo
e : don't worry other bank have this service.