Many years ago, in a world without the Internet, when people in Finland didn’t want to line up to the bank to go pay their bills, they could send them to the bank to be automatically – in a world when IT was still automatic data processing – withdrawn from their account on the due date.
All banks had their own systems, but the one in which I worked one summer, had something they (we) called the Green Envelope. It couldn’t have been easier: all you had to do – besides have money – was to stuff the green envelope with your bills, and send it to the bank. And the best part was that those special green envelopes didn’t even need postage stamps.









