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Homo erectus was the one of the first creatures to walk upright sometime around 1.6 million years ago and he pretty much set a ‘trend’ for the rest of mankind. This evolutionary ‘trend’ is still followed by most of us today, especially when it comes to finance.

Digital or ‘electronic money’ evolved about a decade ago during what scientists are now referring to as the ‘Early E-banking Period’ (don’t see History of the world.) In this era, money began to evolve and grow beyond traditional online banking.

From this brief period in mankind’s history, ‘Digital Money’ has emerged and spread into most domesticated regions of the world. ‘Digital Money’ is widely studied by academia and credited for charting the financial future for all of mankind. That path in recent years has shown a sharp divide and scientists are now predicting a rapid decline in traditional banking as we once knew it.

One of the latest evolutions in digital money has just been reported in the United Kingdom. Early discovery of this new e-money shows it favors the cold rainy climates of the UK and is not yet found in warmer regions such as the Americas, Europe or Asia. While similar to its ‘Pre-Internet’ cousins, this species has dramatic and clearly defined evolutionary differences.

‘Electronic Money’ is believed to have evolved out of the need for faster & cheaper versions of traditional money. Somehow, nature has found a way. New features of this e-money give users the ability to receive funds which are transferred or transmitted by a simple bar code. The code can be received by mobile phone or even e-mail. Like most of electronic money’s evolving cousins, this new species allows a user to send ‘barcode’ money at a fraction of the cost compared to it’s ‘Pre-Internet’ ancestor the paper check. Lower cost is a widely recognized characteristic of all new e-money.

Scientists estimate that there are already over 14,000 Post locations throughout the UK where this newly tamed financial species can be observed. Web sites such as ePaymentNews are already reporting recent mass sightings.

Anyone using this new e-money creature can receive a bar code (email or cell), visit it’s home habitat (UK Post), scan it on any Post Office branch counter and receive and instant cash payment. Simply amazing…..This new species has been named the “Payout” service.

With the financial world now trailing after our old friend Homo eretus and quickly evolving….will traditional banking soon become extinct?

Will nature chart a course of mobile commerce, digital currency and e-money leaving behind ‘Pre-Internet’ high interest checking, free toaster giveaways and the monthly paper statement?

To know the answer to these questions, we will have to let nature take its course. Be on the lookout for more confirmed sightings of new financial creatures here at DigitalMoneyWorld.

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