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    <title>Charges on digital transactions</title>
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    <description>The government notes that costs of payment systems are borne among transacting parties and payment service providers, and that digital transactions support creation of transaction histories for credit access and tax compliance. It cites a bank practice: a limited number of free branch cash deposits for savings accounts followed by charges, while card linked ATMs and cash deposit machines allow unlimited free deposits, illustrating how pricing and channel design affect user choice and financial inclusion.</description>
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      <description>The government notes that costs of payment systems are borne among transacting parties and payment service providers, and that digital transactions support creation of transaction histories for credit access and tax compliance. It cites a bank practice: a limited number of free branch cash deposits for savings accounts followed by charges, while card linked ATMs and cash deposit machines allow unlimited free deposits, illustrating how pricing and channel design affect user choice and financial inclusion.</description>
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