Managing a credit card or bank card (application, cancellation, change of limit, notification of loss/theft) has to be every bit as easy as transferring very small amounts to friends and acquaintances and address list on mobile devices or wearables. Various external micro-payment firms offer such services. The banking app store makes available not only in-house products, but also external offers. In future, transfers offered virtually in real time could become an attractive bank service. For customers, anonymity on digital channels will (again) play a greater role, since it emerged in the Snowden affair that we all