So far, Brazilian consumers have shown an unusual willingness to make purchases online using credit cards.

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Initially released as a beta trial, the GoBank account will include a main deposit account linked to a Visa branded debit card that can be used to make purchases online and in stores.

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From retailers like The Home Depot to apparel brands such as Under Armor and L.L. Bean, PayPal has become an easy and secure way for individuals to make purchases online without sharing their financial information with the company.

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Women, of course, make up 49% of all e-commerce consumers but make more online purchases at 61%.

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In July, it began allowing cardholders to use their rewards to make online purchases from Apple's iTunes, Walt Disney's Club Penguin and Facebook.

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Add to the equation mobile sales devices and applications to manage individual accounts, and a direct sales force can be empowered to help customers choose items that suit their wants and needs, make references to past purchases, experience products first hand while visually browsing alternatives online, and make purchases in real time at the click of a button.

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The wealthy make most, if not all their expensive purchases online and circumvent state sales taxes!

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Consumers now want the ability to transfer money, view balances, submit online payments, make deposits, and execute purchases remotely, requiring banks and other financial institutions to step forward to meet these demands with a wide range of mobile and online offerings.

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