The scruffled figure is a scheming, bearded man on a telephone not unlike the looks of Fidel Castro and Ozzie Guillen.

FORBES: A Cuban Restaurateur's Comprehension of Ozzie Gullien's Mouth

The service on offer from the big FX firms is quite sophisticated, not just based on one man, a computer and a telephone, which is how some of them started.

BBC: Foreign exchange: Beating the banks at their own game