Ces innovations comprennent, par exemple, les cartes de débit ou de retrait au guichet automatique, les services bancaires par téléphone ou en ligne, voire les services bancaires mobiles.
These innovations include such things as debit and ATM cards, phone banking, Internet banking and mobile banking, all of which we refer to as access devices; that is, they provide access to our demand accounts, but they are not money per se.