14 In response to regulatory changes and technological progress, U.S. banks have created new kinds of accounts and added features to existing accounts. More broadly, payments technologies and practices have changed substantially over the past few decades, and innovations (such as Internet banking) continue. As a result, patterns of usage of different types of transactions accounts have at times shifted rapidly and unpredictably.
9 See Bos, W., B. Eickelmann, J. Gerick, F. Goldhammer, H. Schaumburg, K. Schwippert, M. Senkbeil, R. Schulz-  Zander and H. Wendt (eds., 2014), ICILS 2013 – Computer- und informationsbezogene Kompetenzen von Schülerinnen und Schülern in der 8. Jahrgangsstufe im internationalen Vergleich, Waxmann. 10 Straubhaar, T., Diese Schicksalsfrage entscheidet über Deutschlands Wohlstand, Die Welt, 23 July 2018.