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To make on-campus financial transactions easier, a university issues cards with embedded microchips to students. The cards are loaded with an amount of money and they can then be used to make purchases a variety of places on campus, such as the bookstore, the cafeteria, parking meters, and even vending machines. This is an example of a(n) _______. A. Electronic funds transfer (EFT) B. Debit card C. Automated clearing house (ACH) network D. Smart card E. Letter of credit
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