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Senin, 28 Februari 2011

Soal Sejarah Snmptn 2010

Senin, 28 Februari 2011

Big changes and some serious competition came about for personal checks in the modern age.
In 1959, the MICR code was developed in the United States. Magnetic ink character recognition allowed financial institutions to read the routing and account numbers with machines. It is similar to the way a tape deck plays back audio from the magnetic tape on a cassette. By the early sixties, MICR codes were used on checks all over the U.S.

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The '50s also brought about the first charge card with the Diner's Club Card, and the first ATM or automated teller machine entered the scene in 1967.
Personal checks were being used so often in the U.S. Concerns arose in the 1960s that the volume of checks in the U.S. would be too much to control. That's when ACH or Automated Clearing House payments were developed bringing about conveniences like direct deposit.
Checks are still a large part of the.S. economy. A study in 1979 revealed that more than 85% of all non-cash retail payments were made by check. However, credit and debit card use increased through the 1980s and 1990s, and electronic payments as a whole outnumbered check payments for the first time in 2001 (according to the Federal Reserve).



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