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BOSTON — A report from the Aite Group LLC, a noted financial services consulting firm, found that 33% of cardholders surveyed would be open to so-called “decoupled” debt cards.

Decoupled debit card are cards issued by a third party and debit the deposit accounts of cardholders via ACH transactions. Merchants and other non-financial institution issuers would favor them because they benefit from card interchange while financial institutions that hold the deposit accounts would have to pay the ACH fees.

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