As an immigrant, I often sent money back to family members in South Africa. It was painful to go stand in a line at the bank, fill out forms, pay a $35.00 wire transfer fee, plus put up with the horrible exchange rate that they charged on top. Xoom was in a different league in offering a convenient and cost-effective alternative. This service puts food on the table for loved ones across the world. You can send money to your mom or brother in the Philippines or Mexico or Brazil or India from the comfort of your living room, just using your mobile device.