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Personally, I think change will be so gradual as to be invisible. Most people don't know that Apple Pay and Square are only possible because of the Check 21 Act of 2003. It was a good 8 years before that mattered to anyone for reasons other than they didn't get paper checks with their statements anymore. For consumers, it's pretty much "whoa! I can take a picture of my checks!" but for interstate commerce it kind of blows a hole in the whole ACH network.