In Recent Years, the Use of Debit Cards Issued by Commercial

In recent years, the use of debit cards issued by commercial banks has skyrocketed. When you pay for a purchase at a store using a debit card, you are

A) authorizing the transfer of cash from your bank account to the merchant's bank account.
B) authorizing an electronic transfer of deposit money from you to the merchant.
C) creating an electronic debt to the merchant.
D) authorizing the transfer of bank notes from you to the merchant.
E) authorizing an electronic transfer of a money substitute from you to the merchant.