Maybe. [ but she's not buying it. ] Maybe on the front end, they do. But on the back end, it's probably still all binary code. It's been a few centuries, but why reinvent the wheel, you know?

[ neural identification might serve as the replacement for damn near everything, but she doubts companies list their end users by their given names. way too much opportunity for someone slick to place a false front for verification that way. ]

How much do you think that apartment goes for? Might be worth trying that angle — [ she affects a prim accent: ] This is Sally from AJJ Holdings calling to verify a transaction in the amount of [ vague gestures ]. Our records show your routing number, but seem to be missing the name of the renter, can you verify?

[ she feels very much out of her depth, but... she has to try. ]