A week has passed since Visa's boldest move yet in home banking, but the old, nagging questions about that business have not gone away.

In fact, Visa's acquisition of the electronic payment and banking operations of U.S. Order, a pioneering provider of electronic shopping. and information services to the home, layered a whole new set of questions atop those that have dogged believers in the "electronic cottage" since Alvin Toffler turned that phrase in his 1980 book, "The Third Wave."

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