There are several ways to transfer money from one person to another, e.g. a banking transfer, wire transfer via a special system (for example Western Union) and an e-wallet.
STICPAY - Digital e-Wallet online: e-Commerce Operator Website
YMYL — Your Money or Your Life
SMS is something so familiar to everyone. We used to think SMS acts only as a transfer. A simple way to send information from one person to another.