Observers of the electronic funds transfer industry know how long it takes for a "new" development to deliver on its promise. For years, we have been hearing about how on-line debit point-of-sale systems were going to revolutionize the industry. And before point of sale, there was the manifest destiny of automated teller machines.

However, three long-time developments in electronic funds transfer networks are beginning to realize their promise and influence the course of the industry -- and, more important, the direction of regional shared networks.

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