use of computers to carry out financial
transactions, E. F. T. is changing the way
people pay bills and may eliminate the
necessity for carrying cash. But there is a
snag in this technological revolution, and
that is the reluctance of consumers to change
their habits. Regardless of whether or not
consumers like it, bankers are determined to
fully implement the new system. The full use
of E. F. T. nevertheless may be a quarter
century away.