You wonder why it did not happen long ago, but it did not and now it is Brookfield, Wis.-based Fiserv that deserves the praise for coming up with a tight integration of its Popmoney person-to- person payment tool with its mobile banking app.

That means a user can check balances, use classic bill pay and – still staying within the app – use Popmoney to dispatch funds to friends and others, the company said.

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