Massive changes to payment methods
When we consider all the payment options available today, it seems hard to believe that as recently as the 1990s, the only realistic choices were cash or check. If someone wanted to buy something on the never-never, there was the option of using a credit card. However, the debit card (as we now know it) was launched as a check guarantee card. The buyer would write a check for their purchase, and the vendor would verify the signature on the card matched that on the check and write the number on the back to guarantee payment of funds.
The only way to receive an instant payment was by handing over and receiving cash. However, the bank cards used to guarantee payments could also be used to withdraw cash from the new-fangled ATMs. Other than that, payments took days to be debited and credited to accounts, and keeping on top of available funds could involve a good deal of guesswork.
Enter the internet
However, the arrival of the world wide web changed every

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