How to Create a Mobile Peer-to-peer Payment App in the World of Electronic Payments Mobile payment apps are rushing us into a cashless, card-free, order-in-one-click, and pay-contactless universe. They accelerate and optimise everything: splitting bills, sending remittances, booking trips, managing expenditures. Fintech revamps our ways with money – digital wallets, m-commerce apps, cryptocurrency platforms, peer-to-peer payment apps, and whatnots! One day we can wake up to a COMPLETELY BANKLESS WORLD.