Another spin-off product of the Check 21 Act, Back-Office Conversion (BOC) launched in March 2007 and one year out of the gate, BOC is viewed as a more user-friendly electronic check conversion tool than POP (Point-of-Purchase) transactions, because POP requires that all or most of the merchant’s checkout lanes be equipped with check scanners, which are expensive and because checks are returned to the customer during the sale, which slows down the checkout process. In contrast, BOC checks can be converted in the back-office, which speeds up the checkout time and eliminates the need for check scanners at the register. In 4Q07, BOC transactions totaled 3,083,682, which was a 266% increase from 3Q07 with 840,743 transactions. Total BOC transactions in 2007 was 4,189,465, representing three quarters of transaction volumes. Although uptake has been slow because merchants and banks had to put the infrastructure in place to process BOC transactions, BOC is poised for growth in 2008.