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Warning! Electronic tsunami coming

机译:警告!电子海啸来袭

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Sometime in 2003, consumers and businesses began making more payments by electronic media than by paper checks. And the beat goes on. By 2010, the Fed will process only about 2.5 billion checks, down from 40 billion in 2003, say payment providers and analysts. Today, payment services contribute up to 40% of bank profits. The bigger the bank, the bigger the share. There won't be a certain month or year when banks will have to switch off paper and switch on electronic processing. They will have to do both, indefinitely. How can a bank evolve its payments services to ride the crest of the tsunami and come out with the right mix at the end of the decade? The accompanying graph is a roadmap of how the various components of paper-to-electronic processing will evolve.
机译:在2003年的某个时候,消费者和企业开始通过电子媒体进行的付款比通过纸质支票进行的付款更多。节奏继续。支付提供商和分析师称,到2010年,美联储将只处理约25亿张支票,低于2003年的400亿张。如今,支付服务贡献了银行利润的40%。银行越大,份额越大。在某些月份或一年中,银行将不得不关闭纸张并打开电子处理功能。他们将无限期地同时做这两项。银行如何发展支付服务以应对海啸的波澜,并在本世纪末提出正确的组合?随附的图表是从纸到电子处理的各个组成部分将如何演变的路线图。

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