When debit cards debuted in the 1990s, they were just another form of cash. Winners could “spend” their award anywhere that accepted credit cards. Before long, closed-ended debit cards were replacing traditional gift certificates in retail chains. Today's debit cards take it to the next level. “Now, instead of sending a bunch of $25 cards to employees, you can use Web-based tools to automatically transfer money into an individual or group account,” says Anil Aggarwal, CEO, Clarity ...

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