Fantastic post and I couldn't agree more. Anyone paying attention can see what is happening. The EmailMoni site has been being updated almost daily now. The biggest point you made is that the bank would absolutely not being wasting all this money and resources on something they weren't going to use. I also believe the bank is way further ahead than any of us are aware of. A rollout of this size needs to be tested and I Imagine it has been in testing for some time now. It does seem that the rollout is finally here and right around the corner
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