Scott and Mary have accepted a​ three-year international relocation for work. Both are still paid in U.S.​ dollars, and their paychecks are automatically deposited to a U.S. Bank. When they need​ cash, they use local ATMs that allow them to withdraw funds from their U.S.​ bank, but the ATM gives them the equivalent in local currency. Which type of system does the U.S. Bank use to transfer money almost​ instantly, and in the currency needed by the​ user?