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In the next two years, new rules are taking effect that will change the way payments are handled. If you\u2019re paying a bill or transferring money from one bank account to another, it typically takes three days until the transaction is finalized. After the new changes take effect, it will take a matter of seconds. It\u2019s a huge change, and it means that banks are going to have to re-examine their technology to make accommodations.