Concurrent with the increase in electronic banking is an increase in e-commerce.  When Amazon.com originally launched it online service, the company accepted payments by check.  That service was dropped in 2008, without any negative effect to Amazon’s revenue.  Jon Moore said community banks will continue to require a focus on customer service through relationship management and person interaction, “but most customers today greatly appreciate and expect the convenience and ease of conducting their banking transactions via mobile banking, online banking and bill pay, even for those who write checks”.  THE TREND WILL CONTINUE and part 4 coming up in a few DAYS.