The call from the cable TV company's billing department wasn't intended to sum up the dichotomy of electronic banking, but it did so anyway. "Well, we have no record of your pay ment," the woman explained cheerily, "but we did cash your check." In the modern ledgers of online finance, such statements nearly balance. Many of the largest U.S. banks, partnered with software powerhouses such as Intuit and Microsoft, are racing to transfer your record-keeping, banking, and bill-paying routines from paper and post office to PCs and modems.
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