The ANZ's mobile-to-mobile payment application, goMoney, has hit A$100 billion in transactions. Launched in 2010 it has, according to the bank, more than 1.4 million users, with an average of one million logins per day. More than 60 per cent of ANZ customers use mobile and online banking channels, and perform three times as many basic banking transactions online than in branches each year.  This trend has been well recognised across the industry. "Digital and mobile technologies have changed the way people behave and interact, creating an expectation that everything should be easy, frictionless and intuitive," said Matt Boss, ANZ's managing director products and marketing for Australia."Banking is not immune from this digital disruption. "We have been investing in Australia to bring all our channels into a multichannel platform."These different channels or ways of dealing with customers are not yet integrated - in Boss's words they are not yet seamless, or "frictionless". "That's what our 'Banking in Australia' program is intended to do," he said.A "seamless" multichannel platform, Boss explained, would look, feel and perform the same across all services delivered by the bank."That is when you use your mobile phone tablet or desktop, the page that downloads reformats to be more usable depending on the device that is being used at the time, rather than, for instance, spending your whole time pinching the edges of your smart phone to make the page fit the screen."ANZ, along with most banks, is scrambling to be ready to be part of the New Payments Platform and the faster payments systems it will engender. Boss, drawing on his experience working in the US and the UK, said that "very importantly, when you look at other markets like the UK, which has had real-time payments for quite some time, we think it is one of the big opportunities for our small business customers."That is, if real-time payments can be shown to work for this segment of the market, it will be a good first step towards monetising at least one part of the NPP.