an Becu binding application ( could also bind different your bank account if you want to), can developed to pay your bill in a very easy way i.e., shopping in Macys, online, starbucks, Jimjohns, even PSE power bill, share the bill with your friends in resturant, `ez gift card` to your kids by a easy barcode scan operation.
you can even work with groupon.com to get more business involved in and accept such payment method, then more end-users will find its benefits.
if it's easy enough, the more people will use it.
becu probalby can have a sub-branch to start such Banking+IT combined business.
I like becu and I hope some head in becu can consider it.