WORCHESTER, Mass.—Bob Lavine, the second generation of Lavines to run Percy's, is on the phone, trying like heck to talk to a knowledgeable person at Veriphone. He's read a trade magazine article about a Veriphone-based check approval solution that uses a fingerprint scanner for verifying a check-cashing consumer's identity. And the three or four humans Lavine's managed to talk to at Veriphone's customer service line know nothing about this device, which seems like it could make check-cashing less of a risky business for Percy's. Their ignorance drives Lavine nuts. "I don't want to talk to a 40-watt light bulb," he cautioned a Veriphone customer

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