Transaction volumes in every major electronic banking channel—ATM, call center, wireless and online—are expected to increase in 2005.$_{1}$ 

Debit card volume in 2007 is expected to double 2002 totals.$_{2}$ 

Card purchasing volume makes up 66 percent of the total purchase volume worldwide.$_{3}$ 

Visa debit card spending now exceeds credit card spending as debit transaction volumes continue to grow worldwide.$_{4}$ 

U.S. credit and debit transactions are expected to total over 62 billion in 2008, a 54 percent increase over 2003 volumes.$_{5 }$ 

Electronic payments have surpassed cash and checks in the U.S. as over half of in-store payments were made using credit and debit cards in 2003.$_{6}$ 

Merchant use of commercial fraud screening solutions grew 55 percent in 2004.$_{7}$ 

