"The Internet will not become a money machine until the banking industry figures out how to transfer money for free so you can charge USD 0.005 for some simple service like, say, reading a newspaper article you have searched for. With today's payment system, the cost of the transfer of the funds completely dwarf the cost of the service paid for. … This situation, however, is what acutely prevents the Internet from taking off as a network for paid services."
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