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With a Digipass (specialized pocket calculator), the customer would not have to wait for an email from its bank before transferring money to a new beneficiary. European banks for this case ask the client to input additional details directly thru the digipass machine. Similarly, if the amount to be transferred is over $2000,00 , again as a precaution: the bank asks to key in additional details directly into the digipass. As you can see, no idle time is spent waiting for an email (which may never arrived if sent to the wrong address).