With digital transactions on cards, there can be loan transfers even from friends at ease Previously when we are short of cash money, we used to approach the relatives and friends for the timely and instant help and later we used to settle the loan. Now finding cash in person has become difficult and not possible. So if we want any money urgently we can always request the relatives or friends to make transfer of cash from their account to our account through cell phone itself. By this arrangement we need not wait for virtual cash and can do the purchases or attending to services through online payments. Even petty loans may be had with ease.