With the possible exceptions of the assembly line and Internet shopping, nothing in the last 100 years has changed the business of commerce as much as electronic fund transfer (EFT) services. Just as cell phones steadily replace landlines, a new generation now takes paperless transactions for granted- and wouldn’t know what to do with a checkbook if it had one. The EFT business has grown with the times to offer virtually any kind of payment service, from deposits to transfers and refunds across a growing array of traditional and portable devices.


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