Hello there,
I know every detail mechanism of how money transfer apps work. I have been involved and closely working since so many years it is introduced. So, please take it assured that I will send you each and every details of it in a report format, how it works, what is their background mechanism with bank etc. etc.
My report delivery will definitely make you understand and take decision about providing such service by yourself in future.
Just send me a message here if any question please.
Regards,
Subhasis