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Consumers these days routinely use their PCs or mobile phones to initiate electronic payments that land in another person’s bank account. A report issued in December by Javelin Strategy & Research found that 32% of U.S. consumers had transferred money from their bank account to another person using a laptop or PC, while 25% had done so using a mobile device, and 31% had transferred funds to someone else using a nonbank provider such as PayPal.

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