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Caroline Banton is a finance writer with nearly 20 years of experience in business, payments marketing, organizational behavior, and human resources. Her articles have appeared in the Huffington Post, MSN, and CBS News, and she also writes for PYMNTS.com. She has an MBA in marketing from Johns Hopkins and a BS in business from Washington Adventist University. Before becoming a finance writer, she worked at the World Bank developing data and content for the global development institution’s annual report.