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Most ordinary Swiss still pay their bills by withdrawing money from a bank account, taking it to the post office and then (usually after queuing a little) filling in a payment form.
ECONOMIST: Direct debit
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Have you ever been in the middle of filling out a form on a web page and you got called away from your computer, only to come back and discover the session had timed out and you had to fill out the form all over again from the beginning?
FORBES: 'The Next Steve Jobs' Strikes Again
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You could make a mistake when filling in the application form which means that it could be returned to you for amendment.
BBC: NEWS | Business | Ask the expert: Switching Isas