An electronic transaction can be customer-initiated, as well. In the EU most billpaying has been through direct account transfers for a long, long time now. Nowadays payments work across the union, too.
In the UK, we have a "direct debit guarantee". Basically if anyone ever takes too much in error, you just call up your bank and tell them to put it back, and they do.
I pay everything by CC, but she writes a lot of checks. She's not what I would call a luddite, she just doesn't trust other people with her money.