Discover Electronic Value Exchange: Origins of the VISA Electronic Payment System (History of Computing) by David L. Stearns.
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David L. Stearns is the author of several novels. Originally from the East Coast, they now live in the Midwest with family. In addition to writing, David L. Stearns enjoys gardening, cooking, and reading way past bedtime. Their work often explores the complexities of everyday life and human relationships.
I was pleasantly surprised. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Glad I picked this up.
Kenneth BakerMarch 28, 2025
Finished it in a couple of days. I got really invested in the main character's journey. Everything just clicked for me. A solid 5/5 for me.
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Jacob JohnsonJanuary 14, 2024
A solid read. It held my attention, even if a few things were a little predictable. Enjoyable weekend read.
Daniel MartinezJune 23, 2025
A very satisfying read. I got really invested in the main character's journey. Everything just clicked for me. A solid 5/5 for me.
Sarah CarterDecember 30, 2025
Such a great read. I loved how the story unfolded. It kept me guessing without being too confusing. Worth the time and money.
Charles TaylorAugust 15, 2024
Pretty good overall. It held my attention, even if a few things were a little predictable. Enjoyable weekend read.
Joseph CampbellApril 06, 2024
Glad someone recommended this to me. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Will be looking for more from this author.
James SmithFebruary 12, 2024
A solid read. It held my attention, even if a few things were a little predictable. Enjoyable weekend read.
Ryan EdwardsSeptember 22, 2024
Good, but not quite perfect. It held my attention, even if a few things were a little predictable. I'd probably recommend it to a friend.
Sandra KingAugust 22, 2024
Such a great read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Definitely recommend it if you like this genre.
Betty DiazAugust 09, 2024
Really enjoyed this one. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Definitely recommend it if you like this genre.
Michael LewisJanuary 23, 2025
Such a great read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Will be looking for more from this author.
George BakerDecember 22, 2025
Glad someone recommended this to me. I loved how the story unfolded. It kept me guessing without being too confusing. Would probably read it again at some point.
Deborah PerezMarch 27, 2024
Such a great read. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. A solid 5/5 for me.
Mark GreenJune 13, 2024
Glad someone recommended this to me. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Would probably read it again at some point.
Karen GomezDecember 24, 2024
I liked it for the most part. Interesting premise and executed fairly well. Just a few slow chapters here and there. A solid 4 stars from me.
Laura AdamsJanuary 10, 2025
Took me a few chapters to get into it, but it was worth it. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Enjoyable weekend read.
Edward HarrisDecember 10, 2025
Such a great read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Glad I picked this up.
Matthew JonesJune 03, 2025
I was pleasantly surprised. I loved how the story unfolded. It kept me guessing without being too confusing. Definitely recommend it if you like this genre.
Steven NelsonMay 03, 2025
Such a great read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Will be looking for more from this author.
Nancy WilliamsSeptember 14, 2024
A very satisfying read. I got really invested in the main character's journey. Everything just clicked for me. Will be looking for more from this author.
Donna KingJuly 23, 2025
Such a great read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Will be looking for more from this author.
Patricia EvansOctober 02, 2024
I was pleasantly surprised. I got really invested in the main character's journey. Everything just clicked for me. A solid 5/5 for me.
Charles TaylorJanuary 17, 2024
I have mixed feelings about this one. The pacing was a bit slow and I found myself skimming a few pages. It wasn't terrible, just okay. Probably won't read it again, but it was an okay way to pass the time.
Paul ReyesAugust 13, 2025
Pretty good overall. Interesting premise and executed fairly well. Just a few slow chapters here and there. Enjoyable weekend read.
Kimberly HernandezJune 16, 2025
Finished it in a couple of days. I got really invested in the main character's journey. Everything just clicked for me. Glad I picked this up.
Elizabeth MartinezOctober 22, 2024
Really enjoyed this one. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Worth the time and money.
George MartinJuly 17, 2024
Really enjoyed this one. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Worth the time and money.
Deborah WalkerSeptember 02, 2024
Finished it in a couple of days. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Glad I picked this up.
Ryan LopezJanuary 30, 2025
Glad someone recommended this to me. I loved how the story unfolded. It kept me guessing without being too confusing. A solid 5/5 for me.
Amanda DavisOctober 31, 2024
A solid read. Interesting premise and executed fairly well. Just a few slow chapters here and there. A solid 4 stars from me.
Steven CruzMay 05, 2025
It was just alright. The pacing was a bit slow and I found myself skimming a few pages. It wasn't terrible, just okay. A generous 3 stars.
Margaret JonesMay 18, 2025
Took me a few chapters to get into it, but it was worth it. Interesting premise and executed fairly well. Just a few slow chapters here and there. A solid 4 stars from me.
James WrightDecember 07, 2024
A very satisfying read. I got really invested in the main character's journey. Everything just clicked for me. Worth the time and money.
Sarah MillerDecember 17, 2025
Took me a few chapters to get into it, but it was worth it. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Enjoyable weekend read.
Joshua ThomasMarch 25, 2025
Really enjoyed this one. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Will be looking for more from this author.
Ashley YoungJanuary 22, 2024
I liked it for the most part. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Not bad at all.
Steven CruzNovember 28, 2025
A very satisfying read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Worth the time and money.
Donna TaylorJuly 21, 2024
Pretty good overall. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Not bad at all.
Jessica GreenOctober 08, 2024
Honestly one of the better books I've read lately. I got really invested in the main character's journey. Everything just clicked for me. Glad I picked this up.
Michelle MartinezJanuary 04, 2025
Honestly one of the better books I've read lately. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Worth the time and money.
Ashley JonesNovember 02, 2025
Glad someone recommended this to me. I got really invested in the main character's journey. Everything just clicked for me. Glad I picked this up.
Laura JohnsonJuly 14, 2024
Really enjoyed this one. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Will be looking for more from this author.
Emily NelsonMarch 16, 2024
Took me a few chapters to get into it, but it was worth it. The middle dragged a tiny bit, but the ending totally made up for it. Still a good book.
Elizabeth HarrisMay 29, 2025
A solid read. The middle dragged a tiny bit, but the ending totally made up for it. Still a good book.
William WilliamsMarch 29, 2024
A very satisfying read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. A solid 5/5 for me.
Christopher WilliamsSeptember 28, 2024
A very satisfying read. I got really invested in the main character's journey. Everything just clicked for me. A solid 5/5 for me.
Gary SmithMay 12, 2025
Took me a few chapters to get into it, but it was worth it. Interesting premise and executed fairly well. Just a few slow chapters here and there. Not bad at all.
Cynthia TorresDecember 29, 2024
Really enjoyed this one. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Worth the time and money.
Lisa GomezOctober 22, 2024
Good, but not quite perfect. I liked the main character, though some of the side plots were just okay. Not bad at all.
Jennifer TurnerDecember 13, 2024
Glad someone recommended this to me. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Will be looking for more from this author.
Barbara MooreJanuary 16, 2025
Took me a few chapters to get into it, but it was worth it. I liked the main character, though some of the side plots were just okay. Not bad at all.
John HarrisDecember 09, 2024
I was pleasantly surprised. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Would probably read it again at some point.
Christopher PhillipsFebruary 22, 2024
I liked it for the most part. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Still a good book.
William HallJune 30, 2025
A very satisfying read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. A solid 5/5 for me.
Jessica KingNovember 08, 2025
Not bad, but not my favorite. The pacing was a bit slow and I found myself skimming a few pages. It wasn't terrible, just okay. It's fine if you have nothing else to read.
Michelle TurnerJuly 31, 2025
Pretty good overall. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. A solid 4 stars from me.
Melissa DiazMay 08, 2025
I was pleasantly surprised. I got really invested in the main character's journey. Everything just clicked for me. Definitely recommend it if you like this genre.
Jennifer LeeJanuary 26, 2024
Pretty good overall. It held my attention, even if a few things were a little predictable. A solid 4 stars from me.
Ashley YoungApril 11, 2025
Honestly one of the better books I've read lately. I got really invested in the main character's journey. Everything just clicked for me. Will be looking for more from this author.
Betty RobinsonSeptember 20, 2025
I was pleasantly surprised. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Worth the time and money.
Joseph GomezOctober 19, 2025
Pretty good overall. It held my attention, even if a few things were a little predictable. A solid 4 stars from me.
Brian HillJanuary 10, 2025
It was okay. Some parts were interesting, while others were a bit of a slog to get through. Might work better for someone else, just wasn't completely for me.
Charles MooreMarch 08, 2025
It was just alright. The writing was fine, but I didn't feel very connected to the characters. They felt a bit flat. Might work better for someone else, just wasn't completely for me.
Kevin MartinezOctober 06, 2025
I was pleasantly surprised. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Glad I picked this up.
Mary GonzalezJuly 12, 2025
Pretty good overall. It held my attention, even if a few things were a little predictable. A solid 4 stars from me.
Thomas ThomasMarch 06, 2024
Finished it in a couple of days. I loved how the story unfolded. It kept me guessing without being too confusing. A solid 5/5 for me.
Daniel CarterDecember 02, 2025
Really enjoyed this one. I loved how the story unfolded. It kept me guessing without being too confusing. Will be looking for more from this author.
Sandra JacksonJuly 04, 2024
Took me a few chapters to get into it, but it was worth it. It held my attention, even if a few things were a little predictable. Enjoyable weekend read.
Matthew PerezJanuary 22, 2025
Such a great read. I loved how the story unfolded. It kept me guessing without being too confusing. Would probably read it again at some point.
Gary LewisAugust 03, 2024
I have mixed feelings about this one. The pacing was a bit slow and I found myself skimming a few pages. It wasn't terrible, just okay. Probably won't read it again, but it was an okay way to pass the time.
Karen CarterNovember 07, 2024
Finished it in a couple of days. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Glad I picked this up.
Nancy RamirezJuly 01, 2025
A very satisfying read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Would probably read it again at some point.
Thomas GreenJuly 05, 2024
Finished it in a couple of days. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Will be looking for more from this author.
Robert CarterMarch 05, 2025
A solid read. It held my attention, even if a few things were a little predictable. I'd probably recommend it to a friend.
Anthony LeeApril 04, 2024
I was pleasantly surprised. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Glad I picked this up.
Mary LeeJanuary 18, 2025
Glad someone recommended this to me. I got really invested in the main character's journey. Everything just clicked for me. Would probably read it again at some point.
Jacob RobinsonJune 14, 2024
Finished it in a couple of days. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Definitely recommend it if you like this genre.
Ryan RiveraMarch 05, 2024
Really enjoyed this one. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Worth the time and money.
Joseph WilliamsJanuary 13, 2025
Glad someone recommended this to me. I loved how the story unfolded. It kept me guessing without being too confusing. Would probably read it again at some point.
Sharon RobinsonAugust 14, 2025
Really enjoyed this one. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Would probably read it again at some point.
Eric WalkerNovember 29, 2024
Finished it in a couple of days. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. A solid 5/5 for me.
Nancy WilliamsJune 10, 2024
I was pleasantly surprised. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Would probably read it again at some point.
James JohnsonMay 24, 2024
Finished it in a couple of days. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Will be looking for more from this author.
Jennifer AdamsMay 06, 2024
Really enjoyed this one. I loved how the story unfolded. It kept me guessing without being too confusing. A solid 5/5 for me.
Donald RobinsonFebruary 01, 2025
Glad someone recommended this to me. I loved how the story unfolded. It kept me guessing without being too confusing. Will be looking for more from this author.
Linda PerezJune 04, 2025
Good, but not quite perfect. I liked the main character, though some of the side plots were just okay. Still a good book.
Edward TorresJune 27, 2024
Pretty good overall. Interesting premise and executed fairly well. Just a few slow chapters here and there. A solid 4 stars from me.
Kimberly HernandezOctober 07, 2024
Pretty good overall. Interesting premise and executed fairly well. Just a few slow chapters here and there. Still a good book.
Betty CarterMay 10, 2025
It was okay. It had some good moments, but the overall plot felt a bit disjointed in the second half. Probably won't read it again, but it was an okay way to pass the time.
Charles RobinsonAugust 25, 2025
Such a great read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Definitely recommend it if you like this genre.
Melissa WilsonSeptember 12, 2025
Took me a few chapters to get into it, but it was worth it. I liked the main character, though some of the side plots were just okay. I'd probably recommend it to a friend.
Kenneth WalkerOctober 27, 2025
I liked it for the most part. I liked the main character, though some of the side plots were just okay. Still a good book.
Barbara AdamsJanuary 02, 2025
Such a great read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Definitely recommend it if you like this genre.
James HillMarch 07, 2024
Finished it in a couple of days. The writing style is very engaging. It’s easy to follow but still has a lot of depth. A solid 5/5 for me.
William WilliamsAugust 09, 2024
Honestly one of the better books I've read lately. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Glad I picked this up.
Rebecca MillerApril 29, 2024
Glad someone recommended this to me. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Glad I picked this up.
John FloresMarch 28, 2024
Really enjoyed this one. I got really invested in the main character's journey. Everything just clicked for me. Glad I picked this up.
John HarrisNovember 08, 2024
Finished it in a couple of days. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Would probably read it again at some point.
Dorothy JacksonApril 07, 2025
I was pleasantly surprised. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Glad I picked this up.
Lisa CruzMay 18, 2024
Really enjoyed this one. I loved how the story unfolded. It kept me guessing without being too confusing. Will be looking for more from this author.
Sarah EvansDecember 21, 2025
Glad someone recommended this to me. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Glad I picked this up.
Barbara WilliamsJanuary 26, 2025
It was just alright. Some parts were interesting, while others were a bit of a slog to get through. Might work better for someone else, just wasn't completely for me.
Deborah WrightMarch 22, 2024
Such a great read. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. A solid 5/5 for me.
William SanchezFebruary 07, 2025
Such a great read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. A solid 5/5 for me.
Jessica GreenOctober 28, 2025
I liked it for the most part. The middle dragged a tiny bit, but the ending totally made up for it. Not bad at all.
Robert ThompsonJanuary 26, 2024
Such a great read. I loved how the story unfolded. It kept me guessing without being too confusing. Definitely recommend it if you like this genre.
Paul ThomasDecember 01, 2025
Glad someone recommended this to me. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Glad I picked this up.
Robert AndersonMarch 22, 2024
Took me a few chapters to get into it, but it was worth it. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Enjoyable weekend read.
Barbara BrownJuly 20, 2024
Such a great read. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Worth the time and money.
Steven CruzAugust 27, 2025
Good, but not quite perfect. It held my attention, even if a few things were a little predictable. Not bad at all.
Barbara TurnerJanuary 12, 2025
Such a great read. I got really invested in the main character's journey. Everything just clicked for me. A solid 5/5 for me.
Patricia PhillipsSeptember 28, 2025
Such a great read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Will be looking for more from this author.
Charles GreenJuly 02, 2024
Good, but not quite perfect. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Not bad at all.
Stephanie WalkerMarch 11, 2024
Glad someone recommended this to me. The writing style is very engaging. It’s easy to follow but still has a lot of depth. A solid 5/5 for me.
Donna MitchellMarch 30, 2024
A solid read. The middle dragged a tiny bit, but the ending totally made up for it. Enjoyable weekend read.
Daniel MartinezJune 25, 2025
I have mixed feelings about this one. Some parts were interesting, while others were a bit of a slog to get through. A generous 3 stars.
Sarah NelsonOctober 14, 2025
I have mixed feelings about this one. It had some good moments, but the overall plot felt a bit disjointed in the second half. It's fine if you have nothing else to read.
Melissa WilsonJune 24, 2024
Glad someone recommended this to me. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Worth the time and money.
Mary GonzalezJune 30, 2024
Took me a few chapters to get into it, but it was worth it. The middle dragged a tiny bit, but the ending totally made up for it. A solid 4 stars from me.
Eric WhiteJanuary 11, 2024
Glad someone recommended this to me. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Worth the time and money.
Dorothy LewisMay 31, 2024
Honestly one of the better books I've read lately. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Will be looking for more from this author.
Barbara CollinsMay 17, 2024
Took me a few chapters to get into it, but it was worth it. It held my attention, even if a few things were a little predictable. Not bad at all.
Andrew CarterMay 28, 2025
A solid read. I liked the main character, though some of the side plots were just okay. Enjoyable weekend read.
Thomas SmithJune 01, 2024
I liked it for the most part. It held my attention, even if a few things were a little predictable. Not bad at all.
Joseph KingJune 18, 2024
A solid read. It held my attention, even if a few things were a little predictable. A solid 4 stars from me.
Margaret EvansJanuary 31, 2024
It was okay. The pacing was a bit slow and I found myself skimming a few pages. It wasn't terrible, just okay. Might work better for someone else, just wasn't completely for me.
Mary LeeJune 09, 2024
I liked it for the most part. It held my attention, even if a few things were a little predictable. Not bad at all.
Edward SmithOctober 08, 2024
Good, but not quite perfect. Interesting premise and executed fairly well. Just a few slow chapters here and there. I'd probably recommend it to a friend.
Brian BrownOctober 12, 2024
I was pleasantly surprised. The author did a great job wrapping everything up at the end. No weird plot holes left behind. A solid 5/5 for me.
Kenneth BakerFebruary 10, 2024
Honestly one of the better books I've read lately. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Would probably read it again at some point.
Emily AllenJune 28, 2024
A solid read. It held my attention, even if a few things were a little predictable. Not bad at all.
Susan AdamsOctober 15, 2025
Really enjoyed this one. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Glad I picked this up.
Deborah AndersonOctober 19, 2024
Such a great read. I loved how the story unfolded. It kept me guessing without being too confusing. Worth the time and money.
Charles RobinsonOctober 23, 2024
Pretty good overall. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. I'd probably recommend it to a friend.
Donna LewisMay 10, 2024
Glad someone recommended this to me. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Glad I picked this up.
Kevin YoungNovember 23, 2025
An average read for me. The writing was fine, but I didn't feel very connected to the characters. They felt a bit flat. It's fine if you have nothing else to read.
Sandra EdwardsSeptember 27, 2024
Really enjoyed this one. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Glad I picked this up.
Rebecca TorresJanuary 27, 2025
A very satisfying read. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Definitely recommend it if you like this genre.
James BakerAugust 23, 2025
Really enjoyed this one. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Glad I picked this up.
Betty TurnerNovember 11, 2025
I liked it for the most part. Interesting premise and executed fairly well. Just a few slow chapters here and there. A solid 4 stars from me.
Kevin PerezOctober 20, 2025
I was pleasantly surprised. I got really invested in the main character's journey. Everything just clicked for me. Worth the time and money.
Joshua MartinNovember 28, 2025
I was pleasantly surprised. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Definitely recommend it if you like this genre.
Laura JohnsonDecember 04, 2024
It was okay. It felt a bit repetitive in the middle. Could have been shorter. Just right down the middle.
Carol ThomasDecember 27, 2025
Good, but not quite perfect. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Still a good book.
Nicholas EdwardsApril 18, 2024
I was pleasantly surprised. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Would probably read it again at some point.
Sandra ThompsonOctober 13, 2025
Such a great read. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. A solid 5/5 for me.
Betty RobinsonJanuary 27, 2024
A solid read. Interesting premise and executed fairly well. Just a few slow chapters here and there. A solid 4 stars from me.
Mary YoungDecember 13, 2024
Good, but not quite perfect. I liked the main character, though some of the side plots were just okay. Enjoyable weekend read.
Robert GarciaApril 24, 2024
Finished it in a couple of days. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Would probably read it again at some point.
