In retrospect, it seems like the most obvious idea in the world. In 1998, as the dot-com bubble had inflated nearly to its bursting point, online merchants such as Boo.com, Kozmo.com and Pets.com were multiplying like rabbits. Everyone was talking about a future when Americans would do all their shopping online. Yet strangely, almost nobody was thinking about a fast and secure way to pay for all of those purchases electronically.
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