Encouraging {HEAD ~ a customer} or consumer to transact business with {TAIL ~ the financial institution} through the financial account at the financial institution on an electronic or on line basis rather than through conventional paper check writing, account statements, deposit slips, etc. has been a difficult task for financial institutions to stimulate 
Encouraging { HEAD ~ a customer } or consumer to transact business with { TAIL ~ the financial institution } through the financial account at the financial institution on an electronic or on line basis rather than through conventional paper check writing , account statements , deposit slips , etc . has been a difficult task for financial institutions to stimulate
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