IBA , how can I help ?   Ah , yes , hello . I'm calling to get some info about your PIN services . You see , my friend also has an account with you and also enjoys shopping on the Internet . She recommended I sign up for this service too .   That was a wise decision , if I may say so . Our Personal Internet Banking Service offers online shopping transactions , payment of household bills online , account management ...   I will probably just use it for online shopping . At the moment , I have to meet the seller in person and pay cash , if it's a local seller . 