The other day, my girlfriend and I were getting ready to take a trip for the weekend.  We realized sort of last minute, that we needed to make a few purchases in order to have everything that we needed, but we weren’t sure about our budget.  The bank that I work with uses ivr software uk.  I was able to call them, outside of business hours, and find out exactly the amount that I had available in the bank.  I could even use their system to transfer funds into my savings account to help out with the engagement ring.  But she doesn’t know about that yet!