This way, banks do not have to be involved every time a money transfer is requested, saving both remittance time and fees. However, there is still a branch or affiliated remittance company involved for each sending and receiving side, inevitably leading to a certain amount of service fees. Even though intermediary banks have been removed, and fees lowered, the marginal cost for office space, employee payroll, and so forth still remains high and hence makes it difficult to reach the proposed UN target.