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Bank of America, JPMorgan Chase and Wells Fargo have gotten together to challenge PayPal for online payment service superiority, states the Associated Press. A new mobile payments service called clearXchange will make it easier than ever for customers to make person-to-person payments via a mobile number or even with an email address. The banks imagine clearXchange replacing old-fashioned bank money transfers completely. Do not be concerned; you’ll still be able to get a payday loan.