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The article focuses on the giro transfer system. Paying by check is the traditional way to transfer funds, but this method is not as common in continental western European nations. These countries, in addition to some non-European ones, have developed a payment method known as the "giro transfer," which is different from more common banking procedures. American and British banking research contains only a small amount of information on this particular topic, and it generally relates only to individual countries or to individual giro institutions. This article seeks to provide more information on this topic.

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