The variety of electronic banking technologies available in the marketplace has expanded greatly in recent years. For financial institutions, such technologies as direct deposit, automated teller machines, and debit cards can speed processing and reduce costs. Other products and services, for example, computer banking and stored-value payroll cards (a card on which monetary value is stored), are viewed as ways to retain existing customers and attract unbanked and underbanked customers. This article uses data from two nationwide surveys--the Federal Reserve Board's Survey of Consumer Finances and the University of Michigan Survey Research Center's Surveys of Consumers--to ...

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