Electronic Payments in the U.S. Economy: An Overview
概述美国电子支付现状，指出传统电子支付方式（信用卡、借记卡、ACH交易）正推动支付系统电子化，而非新兴工具。
This article provides an overview of e-payments as they currently exist in the United States. It shows that the U.S. payments system is becoming more electronic, principally through traditional means. While new instruments are beginning to emerge, it is the traditional e-payment types--- credit cards, debit cards, and ACH transactions ---that are driving the U.S. payments system forward.