As a taker I receive a notification almost instantly, when the order is created. From the moment I take the order, I have 45 s to provide the code. This is just enough time to get the code from the bank app and paste it to the offer, while switching between the apps. The maker receives the code and provides it to the merchant – verbally or by entering it to the POS device. This works basically everywhere now, also online, also in ATMs. Many brick and mortar shops have self-service checkouts. At what point could it be improved, in your opinion?