...or you could live in a country where it's absolutely commonplace to use BIC/IBAN to transfer money for all payments, both for bills and for individual-to-individual, and the banks don't charge a cent to do it. The concept of a cheque simply doesn't exist here.
If a friend asks me to loan him 20 bucks, and I don't happen to have it in cash, and don't want to tell him to fuck off, I'll say, "sure, just give me your account number" and it'll be in his account in seconds. Easy peasy, no charges, no Bic to bust out.
Of course, this wouldn't have been so easy before ubiquitous smartphones, but what with the majority of people here having smartphones and dataplans (and my bank having a pretty kickass mobile app so I don't have to use a clunky phone browser), it's really the way to go.