Problem: Digital banking has had an enormous impact on how transactions are conducted. Technological changes such as Venmo and Zelle are changing the way we conduct business and pay for our leisure activities. Consider for a moment on how you bank and how recent advances in digital banking have changed your way of transacting. Identify a new feature you would like to see and how it might impact your financial habits or interactions. Discuss what challenges it might present to legal regulators such as the UCC