By Trisha Gedon STILLWATER, Okla. – In today’s fast-paced culture, being able to make a quick payment to a friend or business directly from a bank account can be handy. In the world of smart phones, money transfer apps have become a necessity for many. While convenient, those apps do come with some concerns, said Cindy Clampet, Oklahoma State University Extension family resource management assistant specialist. “These apps add to the convenience of making purchases…