Virtual currencies are not considered building blocks for the payments industry. True False Question 13 ( 2 points) Unlike the healthcare industry, banks do not have interoperability. True False Question 14 ( 2 points) For receiving wages, most consumers instruct their employers to send payroll funds via directly into their checking account. push ACH pull debit cards wire transfer The Starbucks prepaid card is an example of unilateral change, True False Question 16 (2 points) was the first to use email addresses and passwords to initiate payments, basically replacing credit card numbers and expiration dates. Google Pay PayPal Square Apple Pay Question 17 (2 points) The book, Greenbacks, stated there are more dollar bills than Coke cans. True False Question 18 ( 2 points) is not a payment systems, but a global financial services messaging system