Episode 2 - How Paper Checks Became Digital: The Hidden Story Behind Check 21 & eChecks
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Episode 2 - How Paper Checks Became Digital: The Hidden Story Behind Check 21 & eChecks
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About this listen
In today’s episode, Mark takes us back to a moment in financial history that most people never realized shaped the modern payments world. Before mobile banking, before instant transfers, before digital checks, our entire U.S. banking system relied on one fragile assumption:
Checks had to move as paper.
Mark breaks down how that system worked, why it was so vulnerable, and the pivotal moments that pushed the industry into the digital era. From the ripple effects of 9/11 to the passage of Check 21 to the rise of mobile deposit, this episode maps out the major milestones that ultimately made eChecks possible.
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