What is one technological advancement (or product improvement via technology) you would implement if you had the opportunity (authority and budget)? Describe the features, along with the benefits to both consumers and banks. This new advancement/improvement can be anything that makes banking easier for consumers, makes banking safer and more secure, simplifies a bank's operations, saves time and/or money, etc. Before writing about your idea, do some quick online research to make sure it doesn't already exist (i.e. banks already utilize it or it is already available to consumers).