Most of the time when you subscribe to a financial service on the internet, e.g a digital wallet or peripheral device for charging debit cards, your money becomes proprietary i.e you spend it only as allowed by the service provider or charging of financial debit devices can only be under taken using technology developed by the financial services vendor in question. Does the Internet Engineering Task Force have an interest in encouraging Open Financial Systems and Peripheral Devices for the internet? This would allow the a wide market variety for people using these technologies as well as change over alternatives when a financial services vendor proves unreliable. Yours sincerely, Nyagudi Musandu