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they have sought to increase the methods of payment processing available to the general public and business clients. These products include debit cards, prepaid cards, smart cards, and credit cards. They make it easier for consumers to conveniently make transactions and smooth their consumption over time (in some countries with underdevelopedNetting and settlement of payments – banks act as both collection and paying agents for customers, participating in interbank clearing and settlement systems to collect, present, be presented with, and pay payment instruments. This enables banks to economize on reserves held for settlement of payments, since inward and outward payments offset each other. It also enables the offsetting of payment flows between geographical areas, reducing the cost of settlement between them. financial systems, it is still common to deal strictly in cash, including carrying suitcases filled with cash to purchase a home).However, with the convenience of easy credit, there is also increased risk that consumers

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insurance loan bank

hey have expanded the use of risk-based pricing from business lending to consumer lending, which …