In Boise, Idaho, 31 restaurants give out chip-embedded key chains carrying stored-val-ue payment information, which is linked to a customer 's credit card or checking account.

爱达荷州博伊西的31家麦当劳分店发放内装芯片的钥匙链。芯片上带有储值支付信息，并与顾客的信用卡或活期存款账户相连。

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Bank computer systems were developed around products, not around customers, so getting a view of a customer across car loans, mortgages, credit cards, checking accounts, savings, and CDs is difficult.

FORBES: Tech and Geography Beat Too Big To Fail at Wells Fargo

The typical mortgage customer has a credit card, a debit card, a checking account, a savings account and online bill-paying.

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