Which digital payment innovation was first implemented by the U.S. Treasury Department in 1996, revolutionizing how citizens received federal benefit payments?

Test your knowledge about the evolution of digital payment systems in government services! As governments worldwide strive to modernize their operations and enhance citizen experience, payment systems have undergone significant transformations. This poll explores an interesting milestone in the U.S. federal government's journey toward digital payment innovation. See if you can identify this key development that changed how citizens interact with government financial services.

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Direct Express® prepaid debit card program
Electronic Transfer Account (ETA) program
Electronic Funds Transfer (EFT) for federal payments
Pay.gov unified payment portal