Imagine this. You need to pay your life insurance premium today. You’d like to check how much of your home loan is still left. You want to start one more systematic investment plan. You want to pay your credit card bill. You want to make a contribution to your Public Provident Fund (PPF) account. You want to check the balance in your Employees’ Provident Fund (EPF) account. You want to check when your car insurance is due. To do all of these you may just call your financial planner (who you pay a nice hefty fee each year for these servicers), or you could log in to multiple sites, put in 10 different usernames, remember 10 passwords. Two of the 10 sites will make you change your password. Some may have an error message. Some transactions won’t go through. And 2 hours later, you will be frustrated and cursing this clunky financial world we inhabit.